1978 Whitaker Ave, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 1978 Whitaker Ave, Covington, KY 41017 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,807 sqft · built 1935
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$993 (2025)
Deeds & Mortgages	Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`044-10-00-030.00`

Property Details

APN / Parcel Number

Primary APN	`044-10-00-030.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,807 sqft Finished Area
Gross Area	2,653 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Exterior Material	Stone
Foundation Type	Stone
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0441000030.00
Street Address	1978 WHITAKER AVE
City	COVINGTON
State	KY
Zip	41017-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LLL STAR ROUTE BLK 3 LOTS 16-17-18 & ADJ S 12' LOT 15
Legal Subdivision	LLL STAR ROUTE (L M STEPHENS)
Legal Phase	53
Legal Block	3
Legal Lot Number	18,1 17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2026
Census Tract	65502

Owner

Source: Kenton County records · APN 044-10-00-030.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1978 WHITAKER AVE, COVINGTON, KY 41017-9575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 1999
Deed Sale	Jun 30, 1999
Deed Document Number	0000027240
Record Updated	Jun 08, 2026

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	1978 WHITAKER ST, COVINGTON, KY 41017-9575
Document Number	0000000206
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1978 WHITAKER ST COVINGTON KY 410179575, COVINGTON, KY 41017-9575

Mortgage

Document Number	0000000206
Date	Apr 04, 2018
Book Page	0I4088/000307
Instrument	206

Lender

Name	CITIMORTGAGE INC #2005RP1 (CT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 03, 2048

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$993.00 (-1.88%)	$149,400 (+57.26%) Land $15,000 Building $134,400	$149,400 (+57.26%) Land $15,000 Building $134,400
2023	$1,012.00	$95,000 Land $5,000 Building $90,000	$95,000 Land $5,000 Building $90,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170655022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 5 individual NFIP policies nearby
Nearby Flood Policies	5 in force 5 of 5 on primary residences
Nearby Flood Claims	24 (1990–2013)
Claims Outside the SFHA	16 of 24
Most Recent Claim	Jul 2013, river or lake flooding
Flood Events	Severe Storms, Tornadoes, And Flooding (Apr 2011), 6 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.