1905 Pearl St, Covington, KY 41014 Property Records

Kenton County property record for 1905 Pearl St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1909
Lot Size	0.068 acres (2,964 sqft)
Owner	Company Name on Record
Last Sale	$84,900 (May 2023)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	May 2023 Sale Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-14-18-004.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-18-004.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,708 sqft Finished Area
Gross Area	1,794 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,964 sqft (0.068 acres)
Lot Dimensions	74.1 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1905 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & CO PT LOTS 90-17 40'X 74.10' WS PEARL 350' N 20TH
Legal Subdivision	WOLF & CO
Legal Phase	7
Legal Lot Number	90-1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2009
Census Tract	60900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	8462 SAINT LOUIS BLVD, UNION, KY 41091-7417
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Warranty Deed, Transfer TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES LLC
Jul 2, 2021	Warranty Deed, Transfer TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Jan 4, 2021 · Amount on Record
Deed Document Number	2023142
Deed Book / Page	227 / 652
Prior Transfer Date	Oct 18, 2000
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 22, 2023
Property Address	1905 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0005900142
Book / Page	KC 227 / 652
Instrument Date	May 9, 2023
Instrument	23052205900142
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8462 SAINT LOUIS BLVD, UNION, KY 41091-7417

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 2, 2021
Property Address	1905 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0005900170
Book / Page	101 / 530
Instrument Date	Jun 16, 2021
Instrument	21070205900170
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 PEARL ST, 1905, COVINGTON, KY 41014-1213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,000 (-) Land $10,000 Building $170,000	$180,000 (-) Land $10,000 Building $170,000
2025	$2,385.00 (+138.74%)	$180,000 (+14%) Land $5,000 Building $175,000	$180,000 (+14%) Land $5,000 Building $175,000
2023	$999.00	$75,000 Land $5,000 Building $70,000	$75,000 Land $5,000 Building $70,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,077 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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