1907 Howell St, Covington, KY 41014 Property Records

Kenton County property record for 1907 Howell St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,836 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2026)
Tax Bill	$1,325 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-08-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-08-013.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,836 sqft Finished Area
Gross Area	1,964 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	90 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1907 HOWELL ST
City	COVINGTON
State	KY
Zip	41014-1123
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WOLF JOHN LOTS 1-2 2ND
Legal Subdivision	WOLF JOHN
Legal Phase	2
Legal Lot Number	1-2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65000

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	2 Individual Names on Record
Mailing Address	2709 YALE AVE, SAN ANGELO, TX 76904-5812
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage KIAVI FUNDING INC
Jan 14, 2026	Deed, Transfer KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	Jan 14, 2026 · Amount on Record
Deed Document Number	202620443
Deed Book / Page	494 / 369
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 8, 2026
Property Address	1907 HOWELL ST, COVINGTON, KY 41014-1123
Document Number	0000020443
Book / Page	494 / 369
Instrument Date	Sep 3, 2026
Instrument	202620443
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	2709 YALE AVE, SAN ANGELO, TX 76904-5812

Mortgage

Document Number	0000020444,
Date	Sep 8, 2026
Instrument	2026090820444

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 26, 2026
Property Address	1907 HOWELL ST, COVINGTON, KY 41014-1123
Document Number	0000010799
Book / Page	436 / 566
Instrument Date	May 20, 2026
Instrument	202610799
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	KENTUCKY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	8384 ORLEANS BLVD, UNION, KY 41091-8685
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010799,
Date	May 26, 2026
Book Page	436/566
Instrument	202610799

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jan 14, 2026
Property Address	1907 HOWELL ST, COVINGTON, KY 41014-1123
Document Number	0000000781
Book / Page	KC 384 / 988
Map Reference	MB 1127 PG 233
Instrument Date	Jan 13, 2026
Instrument	26059000000781
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8459 US HIGHWAY 42 # F299, F299, FLORENCE, KY 41042-8350

Mortgage

Document Number	0000000782
Date	Jan 14, 2026
Instrument	26059000000782

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Feb 1, 2027

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		$100,000 (-) Land $10,000 Building $90,000	$100,000 (-) Land $10,000 Building $90,000
2025	$1,325.00 (-0.53%)	$100,000 (-) Land $5,000 Building $95,000	$100,000 (-) Land $5,000 Building $95,000
2023	$1,332.00	$100,000 Land $5,000 Building $95,000	$100,000 Land $5,000 Building $95,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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