1916 Howell St, Covington, KY 41014 Property Records

Kenton County property record for 1916 Howell St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,180 sqft · built 1904
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jul 2023)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-21-007.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-21-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,180 sqft Finished Area
Gross Area	1,292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	143 ft deep x 94 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1916 HOWELL ST
City	COVINGTON
State	KY
Zip	41014-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOTS 93-94
Legal Subdivision	HOWARD & CO
Legal Lot Number	93,94
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

Owner

Source: Kenton County records, as of October 21, 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	1916 HOWELL ST, COVINGTON, KY 41014-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Jul 20, 2023	Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC
Feb 8, 2017	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Feb 8, 2017	Quit Claim Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on Record
Deed Sale	Jul 20, 2023 · Amount on Record
Prior Sale	Feb 8, 2017 · Amount on Record
Deed Document Number	2023136
Deed Book / Page	236 / 770
Prior Transfer Date	Feb 1, 2017
Prior Transfer Doc	0005900144
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1916 HOWELL ST, COVINGTON, KY 41014-1124
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1916 HOWELL ST, COVINGTON, KY 41014-1124

Mortgage

Document Number	0005900138
Date	Jul 20, 2023
Book Page	KCM 477/481
Instrument	23072005900138

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2033

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2023
Property Address	1916 HOWELL ST, COVINGTON, KY 41014-1124
Document Number	0005900136
Book / Page	KC 236 / 770
Instrument Date	Jul 13, 2023
Instrument	23072005900136
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	78 SUNNYMEDE DR, FT MITCHELL, KY 41017-2842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1916 HOWELL ST, COVINGTON, KY 41014-1124

Mortgage

Document Number	0005900137
Date	Jul 20, 2023
Book Page	KCM 477/465
Instrument	23072005900137

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 8, 2017
Property Address	1916 HOWELL ST, COVINGTON, KY 41014-1124
Document Number	0000000145
Book / Page	0C6093 / 000063
Instrument Date	Feb 1, 2017
Instrument	145
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 SUNNYMEDE DR FORT MITCHELL KY 410172842, FORT MITCHELL, KY 41017-2842

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 8, 2017
Property Address	1916 HOWELL ST, COVINGTON, KY 41014-1124
Document Number	0000000144
Book / Page	0C6093 / 000059
Instrument Date	Jan 25, 2017
Instrument	144
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1916 HOWELL ST COVINGTON KY 410141124, COVINGTON, KY 41014-1124

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		$135,000 (-) Land $10,000 Building $125,000	$135,000 (-) Land $10,000 Building $125,000
2025	$1,788.00 (+86.44%)	$135,000 (+87.5%) Land $5,000 Building $130,000	$135,000 (+87.5%) Land $5,000 Building $130,000
2023	$959.00 (+0.84%)	$72,000 (-) Land $5,000 Building $67,000	$72,000 (-) Land $5,000 Building $67,000
2022	$951.00	$72,000 Land $5,000 Building $67,000	$72,000 Land $5,000 Building $67,000

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 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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