Kenton County property record for 2039 Franklin St, Covington, KY 41014
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 5 ba · 2,400 sqft · built 1996 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,335 (Oct 2014) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jan 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-01-115.00 |
| Primary APN | 055-21-01-115.00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Finished Area |
| Gross Area | 2,616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2039 FRANKLIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1186 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | FRANKLIN STREET URBAN RENEWAL PROJECT LOT 15 |
| Legal Subdivision | FRANKLIN ST URBAN REN PROJECT |
| Legal Lot Number | 15 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 65000 |
2039 Franklin St, a duplex, is owned by an individual who bought it in October 2014.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 33, PERRY PARK, KY 40363-0033 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2023 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Jan 31, 2017 | Deed of Trust, Mortgage · Line of Credit STOCKYARD BK&TR |
| Jan 31, 2017 | Deed of Trust, Mortgage · Line of Credit STOCKYARD BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2014 · Amount on File |
| Deed Sale | Oct 23, 2014 · Amount on File |
| Prior Sale | Oct 23, 2014 · Amount on File |
| Deed Document Number | 201410 23 059 00186 |
| Deed Book / Page | 5520 / 6 |
| Prior Transfer Date | Oct 10, 2014 |
| Prior Transfer Doc | 0005900186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2039 FRANKLIN ST, COVINGTON, KY 41014-1186 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1991 WILLIAMSCREEK WAY, FORT MITCHELL, KY 41017-2573 |
| Document Number | 0005900001 |
|---|---|
| Date | Nov 17, 2023 |
| Book Page | KCM 507/849 |
| Instrument | 23111705900001 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2039 FRANKLIN ST, COVINGTON, KY 41014-1186 |
| Document Number | 0000000264 |
| Book / Page | 0C6092 / 000023 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 1193 GRAYS PEAK COVINGTON KY 410111117, COVINGTON, KY 41011-1117 |
| Document Number | 0000000264 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 0C6092/000023 |
| Instrument | 264 |
| Name | STOCKYARD BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232-2890 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2039 FRANKLIN ST, COVINGTON, KY 41014-1186 |
| Document Number | 0000000174 |
| Book / Page | 0C6111 / 000336 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1193 GRAYS PEAK COVINGTON KY 410111117, COVINGTON, KY 41011-1117 |
| Document Number | 0000000174 |
|---|---|
| Date | Mar 8, 2017 |
| Book Page | 0C6111/000336 |
| Instrument | 174 |
| Name | STOCKYARD BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232-2890 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2039 Franklin St was $1,921.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,000 (+37.93%) Land $40,000 Building $160,000 | $200,000 (+37.93%) Land $40,000 Building $160,000 | |
| 2025 | $1,921.00 | $145,000 Land $15,000 Building $130,000 | $145,000 Land $15,000 Building $130,000 |
| 2023 | $1,931.00 | $145,000 Land $15,000 Building $130,000 | $145,000 Land $15,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2039 Franklin St in Zone X, an area of minimal flood risk.
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.
The area around 2039 Franklin St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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