1930 Pearl St, Covington, KY 41014 Property Records

Kenton County property record for 1930 Pearl St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 852 sqft · built 1914
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jul 2021)
Tax Bill	$1,325 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-19-019.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-19-019.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	852 sqft Finished Area
Gross Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Material	Slate
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1930 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & CO PT LOT 70 N 1/2 LOT 70
Legal Subdivision	WOLF & CO
Legal Lot Number	70
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

1930 Pearl St is owned and occupied by two individuals who bought it in July 2021.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1930 PEARL ST, COVINGTON, KY 41014-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Jul 1, 2021	Intrafamily Transfer, Transfer
May 6, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Aug 28, 2002 · Amount on File
Deed Document Number	20215900033
Deed Book / Page	101 / 281
Prior Transfer Date	May 19, 2021
Prior Transfer Doc	0005900031
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 1, 2021
Property Address	1930 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0005900033
Book / Page	101 / 281
Map Reference	MB 101 PG 276
Instrument Date	Jun 14, 2021
Instrument	21070105900033
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11330 WITCH HAZEL DR, INDIANAPOLIS, IN 46235-3544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1930 PEARL ST, COVINGTON, KY 41014-1214

Mortgage

Document Number	0005900034
Date	Jul 1, 2021
Instrument	21070105900034

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jul 1, 2021
Property Address	1930 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0005900031
Book / Page	101 / 276
Instrument Date	May 19, 2021
Instrument	21070105900031
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Tax	$25.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2806 SEGOVIA ST, 2806, CORAL GABLES, FL 33134-5624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 PEARL ST, COVINGTON, KY 41014-1214

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 6, 2019
Property Address	1930 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0000000132
Book / Page	0C6653 / 000277
Instrument Date	May 1, 2019
Instrument	132
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 PEARL ST COVINGTON KY 410141214, COVINGTON, KY 41014-1214

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1930 PEARL ST, COVINGTON, KY 41014-1214
Document Number	0000000163
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 LORCA ST MIAMI FL 331342512, MIAMI, FL 33134-2512

Mortgage

Document Number	0000000163
Date	Dec 14, 2018
Book Page	0C6564/000139
Instrument	163

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1930 Pearl St was $1,325.

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		$100,000 (-) Land $10,000 Building $90,000	$100,000 (-) Land $10,000 Building $90,000
2025	$1,325.00	$100,000 Land $5,000 Building $95,000	$100,000 Land $5,000 Building $95,000
2023	$1,332.00	$100,000 Land $5,000 Building $95,000	$100,000 Land $5,000 Building $95,000

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

Flood

FEMA maps place 1930 Pearl 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

The area around 1930 Pearl St has no burnable land within ember reach, so its wildfire risk is not rated.

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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