1907 Pearl St, Covington, KY 41014 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,232 sqft · built 1920
Lot Size	0.057 acres (2,464 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (May 2025)
Tax Bill	$556 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-18-005.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-18-005.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Finished Area
Gross Area	1,351 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,464 sqft (0.057 acres)
Lot Dimensions	74 ft deep x 33.3 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 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & CO PT LOT 89-90 33.33'X 74' WS PEARL 317.28' N 20TH
Legal Subdivision	WOLF & CO
Legal Lot Number	89,90
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	Individual Name on Record
Mailing Address	1907 PEARL ST, COVINGTON, KY 41014-1213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUST COMPANY
May 5, 2025	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Nov 25, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Dec 3, 2024 · Amount on Record
Deed Document Number	202593
Deed Book / Page	341 / 255
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jun 17, 2026
Property Address	1907 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0000012682
Book / Page	447 / 542
Instrument Date	Jun 5, 2026
Instrument	202612682
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 PEARL ST, COVINGTON, KY 41014-1213

Mortgage

Document Number	0000012682,
Date	Jun 17, 2026
Book Page	447/542
Instrument	202612682

Lender

Name	TRUST COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 5, 2025
Property Address	1907 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0005900093
Book / Page	KC 341 / 255
Map Reference	PL 334
Instrument Date	May 2, 2025
Instrument	25050505900093
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3239 CARTHAGE RD, CALIFORNIA, KY 41007-9243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 PEARL ST, COVINGTON, KY 41014-1213

Mortgage

Document Number	0005900094
Date	May 5, 2025
Instrument	25050505900094

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	1907 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0000000003
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1907 PEARL ST COVINGTON KY 410141213, COVINGTON, KY 41014-1213

Mortgage

Document Number	0000000003
Date	Sep 28, 2020
Book Page	000M45/000838
Instrument	3

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	468 Months
Due	Sep 27, 2059

Interest

Rate	5.25%

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		$185,000 (+340.48%) Land $10,000 Building $175,000	$185,000 (+340.48%) Land $10,000 Building $175,000
2025	$556.00 (+24.38%)	$42,000 (-47.5%) Land $5,000 Building $37,000	$42,000 (-47.5%) Land $5,000 Building $37,000
2023	$447.00 Homeowner's exemption	$80,000 Land $5,000 Building $75,000	$80,000 Land $5,000 Building $75,000

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 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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