1917 Franklin St, Covington, KY 41014 Property Records

Kenton County property record for 1917 Franklin St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,168 sqft · built 1922
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$21,000 (Jan 2015)
Tax Bill	$583 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-21-01-014.00`

Property Details

APN / Parcel Number

Primary APN	`055-21-01-014.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,168 sqft Finished Area
Gross Area	1,472 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	92 ft deep x 23 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1917 FRANKLIN ST
City	COVINGTON
State	KY
Zip	41014-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRANKLIN LOT 50
Legal Subdivision	FRANKLIN
Legal Lot Number	50
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3012
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	Individual Name on Record
Mailing Address	10615 PEPPERWOOD DR, INDEPENDENCE, KY 41051-8574
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK NA
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit HERITAGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2015 · Amount on Record
Deed Sale	Jan 5, 2015 · Amount on Record
Prior Sale	Jul 1, 2005 · Amount on Record
Deed Document Number	201501 05 059 00046
Deed Book / Page	5561 / 26
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1917 FRANKLIN ST, COVINGTON, KY 41014-1166
Transaction Type	Mortgage
Record Updated	May 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10615 PEPPERWOOD DR, INDEPENDENCE, KY 41051-8574

Mortgage

Document Number	0005900111
Date	May 17, 2023
Book Page	KCM 461/673
Instrument	23051705900111

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	WILLIAMSTOWN, KY 41097

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 11, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1917 FRANKLIN ST, COVINGTON, KY 41014-1166
Document Number	0000000130
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8578 COMMONS CT #12C FLORENCE KY 410427716, 12C, FLORENCE, KY 41042-7716

Mortgage

Document Number	0000000130
Date	Aug 20, 2019
Book Page	0C6734/000014
Instrument	130

Lender

Name	HERITAGE BK
Type	Bank
Address	WILLIAMSTOWN, KY 41097

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 19, 2022

Interest

Rate Type	Adjustable Rate

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		$107,700 (+144.77%) Land $10,000 Building $97,700	$107,700 (+144.77%) Land $10,000 Building $97,700
2025	$583.00 (-0.51%)	$44,000 (-) Land $5,000 Building $39,000	$44,000 (-) Land $5,000 Building $39,000
2023	$586.00	$44,000 Land $5,000 Building $39,000	$44,000 Land $5,000 Building $39,000

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	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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