204 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 204 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,055 sqft · built 1899
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$34,900 (Dec 2013)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-41-04-003.00`

Property Details

APN / Parcel Number

Primary APN	`055-41-04-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,055 sqft Finished Area
Gross Area	2,227 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Duplex Single
Foundation Type	Stone
Roof Material	Slate
Lot Area	3,049 sqft (0.07 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	204 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1245
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WALLACE PT LOTS 58-59 NS STERRETT 29.22' E GREENUP
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	58,59
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
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 October 20, 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	204 STERRETT AVE, COVINGTON, KY 41014-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2018	Deed of Trust, Mortgage REPUBLIC BK&TR/IN
Jun 13, 2017	Deed of Trust, Mortgage UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	201312 27 059 00096
Deed Book / Page	5331 / 329
Prior Transfer Date	Sep 3, 2013
Prior Transfer Doc	0005900092
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	204 STERRETT AVE, COVINGTON, KY 41014-1245
Document Number	0000000188
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2018
Title Company	SOLIDIFI TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 STERRETT AVE COVINGTON KY 410141245, COVINGTON, KY 41014-1245

Mortgage

Document Number	0000000188
Date	May 11, 2018
Book Page	0C6409/000166
Instrument	188

Lender

Name	REPUBLIC BK&TR/IN
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 10, 2028

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	204 STERRETT AVE, COVINGTON, KY 41014-1245
Document Number	0000000085
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 STERRETT AVE COVINGTON KY 410141245, COVINGTON, KY 41014-1245

Mortgage

Document Number	0000000085
Date	Jun 19, 2017
Book Page	0C6183/000068
Instrument	85

Lender

Name	UNITED BK
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2047

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
2026		$140,000 (+33.33%) Land $10,000 Building $130,000	$140,000 (+33.33%) Land $10,000 Building $130,000
2025	$1,391.00 (-0.5%)	$105,000 (-) Land $5,000 Building $100,000	$105,000 (-) Land $5,000 Building $100,000
2023	$1,398.00	$105,000 Land $5,000 Building $100,000	$105,000 Land $5,000 Building $100,000

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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