1931 Pearl St, Covington, KY 41014 Property Records

Kenton County property record for 1931 Pearl St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,504 sqft · built 1889
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Oct 2019)
Tax Bill	$744 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-14-18-014.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-18-014.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,504 sqft Finished Area
Gross Area	1,960 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 25 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	1931 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & CO PT LOT 84 S 1/2 LOT 84
Legal Subdivision	WOLF & CO
Legal Lot Number	84
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2009
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

1931 Pearl St is owned by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 75234, FORT THOMAS, KY 41075-0234
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
Oct 16, 2019	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK
Mar 31, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2019 · Amount on File
Deed Sale	Oct 16, 2019 · Amount on File
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	201910 16 059 00113
Deed Book / Page	6779 / 17
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2019
Property Address	1931 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0000000113
Book / Page	006779 / 000017
Instrument Date	Oct 11, 2019
Instrument	113
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 75234 FORT THOMAS KY 410750234, FORT THOMAS, KY 41075-0234

Mortgage

Document Number	116
Date	Oct 16, 2019
Book Page	006779/000020
Instrument	116

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 31, 2017
Property Address	1931 PEARL ST, COVINGTON, KY 41014-1213
Document Number	0000000011
Book / Page	0C6127 / 000055
Instrument Date	Mar 28, 2017
Instrument	11
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$13.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	524 BEAUMONT CT FORT WRIGHT KY 410113671, FORT WRIGHT, KY 41011-3671

Tax Assessment & Valuation

The 2025 property tax bill for 1931 Pearl St was $744.

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		$92,900 (+65.3%) Land $10,000 Building $82,900	$92,900 (+65.3%) Land $10,000 Building $82,900
2025	$744.00	$56,200 Land $5,000 Building $51,200	$56,200 Land $5,000 Building $51,200
2023	$748.00	$56,200 Land $5,000 Building $51,200	$56,200 Land $5,000 Building $51,200

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

Flood

FEMA maps place 1931 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 1931 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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