2038 Greenup St, Covington, KY 41014 Property Records

Kenton County property record for 2038 Greenup St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,698 sqft
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (May 2026)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-04-093.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-04-093.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,698 sqft Finished Area
Gross Area	1,845 sqft

Exterior

Exterior Material	Brick
Roof Material	Slate
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2038 GREENUP ST
City	COVINGTON
State	KY
Zip	41014-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENUP ST LOT CO LOT 38
Legal Subdivision	GREENUP ST
Legal Lot Number	38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
Census Tract	60900

Historic Designation

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

Owner

Source: Kenton County records, as of June 9, 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 Record
Mailing Address	8537 EAGLE CREEK RD, CINCINNATI, OH 45247-2465
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
May 1, 2024	Deed of Trust, Mortgage · Line of Credit WALTER J OKON JR LIVING TRUST
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	May 1, 2024 · Amount on Record
Deed Document Number	202605139861
Deed Book / Page	430 / 99
Prior Transfer Date	Mar 23, 2011
Prior Transfer Doc	0005900184
Record Updated	Sep 20, 2026

May 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 13, 2026
Property Address	2038 GREENUP ST, COVINGTON, KY 41014-1253
Document Number	0000009861
Book / Page	430 / 99
Instrument Date	May 2, 2026
Instrument	20269861
Record Updated	Jun 9, 2026
Title Company	PROMINENCE TITLE, PROMINENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,340.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	8537 EAGLE CREEK RD, CINCINNATI, OH 45247-2465

Mortgage

Document Number	0000009862,
Date	May 13, 2026
Instrument	202605139862

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2038 GREENUP ST, COVINGTON, KY 41014-1253
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900182
Date	May 1, 2024
Book Page	KCM545/292
Instrument	24050105900182

Lender

Name	WALTER J OKON JR LIVING TRUST
Type	Private Party
Address	9 SEBASTIAN DR, JACKSON, TN 38305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	23 Months
Due	Apr 25, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2038 GREENUP ST, COVINGTON, KY 41014-1253
Document Number	0000000004
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 GREENUP ST COVINGTON KY 410141253, COVINGTON, KY 41014-1253

Mortgage

Document Number	0000000004
Date	Sep 21, 2018
Book Page	0C6506/000129
Instrument	4

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

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	$2,517.00 (+21.95%)	$190,000 (+22.58%) Land $5,000 Building $185,000	$190,000 (+22.58%) Land $5,000 Building $185,000
2023	$2,064.00	$155,000 Land $5,000 Building $150,000	$155,000 Land $5,000 Building $150,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Not rated no burnable land within 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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