1983 Whitaker Ave, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 1983 Whitaker Ave, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,230 sqft · built 1955
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Nov 2018)
Tax Bill	$1,087 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-20-00-031.00`

Property Details

APN / Parcel Number

Primary APN	`044-20-00-031.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,230 sqft Finished Area
Gross Area	1,693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0442000031.00
Street Address	1983 WHITAKER AVE
City	COVINGTON
State	KY
Zip	41017-9576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	100X100FT SS WHITAKER
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	65502

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	1983 WHITAKER AVE, COVINGTON, KY 41017-9576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Nov 15, 2018	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2018 · Amount on Record
Deed Sale	Nov 15, 2018 · Amount on Record
Prior Sale	Aug 26, 2003 · Amount on Record
Deed Document Number	0000419376
Deed Book / Page	4193 / 76
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1983 WHITAKER ST, COVINGTON, KY 41017-9576
Document Number	0000000105
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1983 WHITAKER ST COVINGTON KY 410179576, COVINGTON, KY 41017-9576

Mortgage

Document Number	0000000105
Date	Nov 14, 2019
Book Page	0I4360/000287
Instrument	105

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 15, 2018
Property Address	1983 WHITAKER ST, COVINGTON, KY 41017-9576
Document Number	0000000054
Book / Page	0I4193 / 000076
Instrument Date	Nov 14, 2018
Instrument	54
Transaction Type	Transfer
Record Updated	Dec 3, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1983 WHITAKER ST COVINGTON KY 410179576, COVINGTON, KY 41017-9576

Mortgage

Document Number	55
Date	Nov 15, 2018
Book Page	0I4193/000079
Instrument	55

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,087.00 (+7.41%)	$109,700 (+15.47%) Land $10,000 Building $99,700	$109,700 (+15.47%) Land $10,000 Building $99,700
2023	$1,012.00	$95,000 Land $5,000 Building $90,000	$95,000 Land $5,000 Building $90,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	24 (1990–2013)
Claims Outside the SFHA	16 of 24
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2011 · 6 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 76 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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