20 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 20 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,902 sqft · built 1909
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on Record
Last Sale	$105,000 (Apr 2023)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-23-16-009.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-16-009.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,902 sqft Finished Area
Gross Area	1,998 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Duplex Single
Exterior Material	Brick
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	220 ft deep x 25 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1262
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WALLACE E 1/2 OF LOT 31 25'X 220' NS STERRETT
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	31
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2003
Census Tract	61100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wallace Woods Area Residential Historic District listed 1983 · 250 contributing resources · NRIS 83002807

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of April 6, 2026

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

Owner of Record	Company Name on Record
Mailing Address	18 STERRETT AVE, COVINGTON, KY 41014-1262
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Prior Sale	Oct 27, 1994 · Amount on Record
Deed Document Number	20230421204
Deed Book / Page	223 / 266
Record Updated	Sep 20, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Apr 21, 2023
Property Address	20 STERRETT AVE, COVINGTON, KY 41014-1262
Document Number	0005900204
Book / Page	KC 223 / 266
Instrument Date	Apr 20, 2023
Instrument	23042105900204
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	KENTUCKIANA LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 STERRETT AVE, COVINGTON, KY 41014-1262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 STERRETT AVE, COVINGTON, KY 41014-1262

Mortgage

Document Number	0005900205
Date	Apr 21, 2023
Book Page	KCM 455/646
Instrument	23042105900205

Lender

Name	HERITAGE BANK INC
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 20, 2038

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
2025	$1,391.00 (+95.09%)	$105,000 (+5%) Land $5,000 Building $100,000	$105,000 (+5%) Land $5,000 Building $100,000
2023	$713.00 Homeowner's exemption	$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

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 98% of the US · lower than 98.2% 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 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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