1916 Pearl St, Covington, KY 41014 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1956
Lot Size	0.061 acres (2,637 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Aug 2023)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-14-19-026.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-19-026.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Finished Area
Gross Area	1,208 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,637 sqft (0.061 acres)
Lot Dimensions	90 ft deep x 29.3 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1916 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & CO PT LOT 74 29.3'X 90' ES PEARL 252' N OF E 20TH ST
Legal Subdivision	WOLF & CO
Legal Lot Number	74
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2010
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	1916 PEARL ST, COVINGTON, KY 41014-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Jun 15, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Jun 15, 2023 · Amount on Record
Deed Document Number	202323
Deed Book / Page	238 / 890
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 1, 2023
Property Address	1916 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0005900023
Book / Page	KC 238 / 890
Instrument Date	Jul 26, 2023
Instrument	23080105900023
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	628 POINTE BENTON LN, COVINGTON, KY 41014-1100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1916 PEARL ST, COVINGTON, KY 41014-1214

Mortgage

Document Number	0005900024
Date	Aug 1, 2023
Instrument	23080105900024

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jun 15, 2023
Property Address	1916 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0005900218
Book / Page	KC 231 / 403
Instrument Date	May 31, 2023
Instrument	23061505900218
Transaction Type	Transfer
Record Updated	Jun 30, 2023

Transaction

Amount	Amount Recorded
Tax	$40.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 WALNUT RD, COVINGTON, KY 41015-2371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6258 POINTE BENTON LANE, COVINGTON, KY 41014
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		$155,000 (-) Land $10,000 Building $145,000	$155,000 (-) Land $10,000 Building $145,000
2025	$2,053.00 (+198.84%)	$155,000 (+200.39%) Land $5,000 Building $150,000	$155,000 (+200.39%) Land $5,000 Building $150,000
2023	$687.00 (+0.88%)	$51,600 (-) Land $5,000 Building $46,600	$51,600 (-) Land $5,000 Building $46,600
2022	$681.00	$51,600 Land $5,000 Building $46,600	$51,600 Land $5,000 Building $46,600

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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