Kenton County property record for 2012 Pearl St, Covington, KY 41014 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,800 sqft · built 1894 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $47,700 (Dec 2018) |
| Tax Bill | $927 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-14-21-028.00 |
| Primary APN | 055-14-21-028.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Finished Area |
| Gross Area | 1,880 sqft |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2012 PEARL ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1216 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | UPTOWN LAND & IMP CO LOT 65 |
| Legal Subdivision | UPTOWN LAND & IMP CO |
| Legal Lot Number | 65 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 60900 |
Source: Kenton County records · APN 055-14-21-028.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 15672, LATONIA, KY 41015-0672 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Dec 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Dec 28, 2017 | Deed of Trust, Mortgage HERITAGE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on Record |
| Deed Sale | Dec 21, 2018 · Amount on Record |
| Prior Sale | Nov 04, 2004 · Amount on Record |
| Deed Document Number | 201812 21 059 00106 |
| Deed Book / Page | 6569 / 26 |
| Prior Transfer Date | Feb 28, 2006 |
| Prior Transfer Doc | 0005900148 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2012 PEARL ST, COVINGTON, KY 41014-1216 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900044 |
|---|---|
| Date | Nov 09, 2021 |
| Book Page | 298/883 |
| Instrument | 21110905900044 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 21, 2018 |
| Property Address | 2012 PEARL ST, COVINGTON, KY 41014-1216 |
| Document Number | 0000000106 |
| Book / Page | 0C6569 / 000026 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 106 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $47.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2012 PEARL ST COVINGTON KY 410141216, COVINGTON, KY 41014-1216 |
| Document Number | 108 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 0C6569/000029 |
| Instrument | 108 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 20, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2012 PEARL ST, COVINGTON, KY 41014-1216 |
| Document Number | 0000000185 |
| Instrument Date | Dec 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2583 PARKWOOD CT VILLA HILLS KY 410171098, VILLA HILLS, KY 41017-1098 |
| Document Number | 0000000185 |
|---|---|
| Date | Jan 03, 2018 |
| Book Page | 0C6326/000307 |
| Instrument | 185 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | LATONIA, KY 41015 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 02, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $927.00 (-0.54%) | $70,000 (-) Land $5,000 Building $65,000 | $70,000 (-) Land $5,000 Building $65,000 |
| 2023 | $932.00 | $70,000 Land $5,000 Building $65,000 | $70,000 Land $5,000 Building $65,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1,077 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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