2010 Pearl St, Covington, KY 41014 Property Records

Kenton County property record for 2010 Pearl St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,648 sqft · built 1924
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Tax Bill	$834 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-14-21-029.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-21-029.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,648 sqft Finished Area
Gross Area	1,744 sqft

Exterior

Year Built	Built 1924
Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0551421029.00
Street Address	2010 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UPTOWN LAND & IMP CO S 1/2 LOT 66
Legal Subdivision	UPTOWN LAND & IMP CO
Legal Lot Number	66
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
Census Tract	60900

Owner

Source: Kenton County records · APN 055-14-21-029.00

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	Company Name on File
Mailing Address	PO BOX 17684, COVINGTON, KY 41017-0684
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 02, 2001
Deed Sale	Apr 02, 2001
Deed Document Number	0000540231
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2010 PEARL ST, COVINGTON, KY 41014-1216
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	LAND TITLE CORPORATION, KY LAND TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2586 LILLIAN CT, VILLA HILLS, KY 41017-1100

Mortgage

Document Number	0005900146
Date	Dec 04, 2025
Book Page	KCM 713/638
Instrument	25120405900146

Lender

Name	HERITAGE BANK INC
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 03, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
Municipality	Covington City
Unified School District	Covington Independent 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	$834.00 (-0.6%)	$63,000 (-) Land $5,000 Building $58,000	$63,000 (-) Land $5,000 Building $58,000
2023	$839.00	$63,000 Land $5,000 Building $58,000	$63,000 Land $5,000 Building $58,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Based on FCC filings for 1,077 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.