1914 Franklin St, Covington, KY 41014 Property Records

Kenton County property record for 1914 Franklin St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,368 sqft · built 1924
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (May 1997)
Tax Bill	$367 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-12-08-005.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-08-005.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,368 sqft Finished Area
Gross Area	1,487 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1914 FRANKLIN ST
City	COVINGTON
State	KY
Zip	41014-1167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN LOT 93 & PT WOLFS 3RD LOTS 81-82-83
Legal Subdivision	FRANKLIN
Legal Phase	D,3RD
Legal Lot Number	81,93
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3006
Census Tract	65000

Owner

1914 Franklin St is owned and occupied by two individuals who bought it in May 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	1914 FRANKLIN ST, COVINGTON, KY 41014-1167
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 1997 · Amount on File
Deed Sale	May 21, 1997 · Amount on File
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Apr 2, 2026
Property Address	1914 FRANKLIN ST, COVINGTON, KY 41014-1167
Document Number	0000006649
Book / Page	410 / 137
Instrument Date	Mar 18, 2026
Instrument	20266649
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DATA SEARCH (RECORDING SERVI

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1914 FRANKLIN ST, COVINGTON, KY 41014-1167

Mortgage

Document Number	0000006649,
Date	Apr 2, 2026
Book Page	410/137
Instrument	20266649

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2056

Interest

Rate	6.01%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1914 FRANKLIN ST, COVINGTON, KY 41014-1167
Transaction Type	Mortgage
Record Updated	Oct 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900077
Date	Sep 22, 2022
Book Page	409/219
Instrument	22092205900077

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Jul 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1914 Franklin St was $367 with a homeowner's exemption.

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		$124,000 (+61.46%) Land $10,000 Building $114,000	$124,000 (+61.46%) Land $10,000 Building $114,000
2025	$367.00 Homeowner's exemption	$76,800 Land $5,000 Building $71,800	$76,800 Land $5,000 Building $71,800
2023	$404.00 Homeowner's exemption	$76,800 Land $5,000 Building $71,800	$76,800 Land $5,000 Building $71,800

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

Flood

FEMA maps place 1914 Franklin St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1914 Franklin St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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