207 Covington Ave, Covington, KY 41011 Property Records

Kenton County property record for 207 Covington Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,356 sqft · built 1914
Lot Size	0.041 acres (1,782 sqft)
Owner	Individual Name on File
Last Sale	$358,000 (Nov 2021)
Tax Bill	$4,743 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-08-013.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-08-013.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,356 sqft Finished Area
Gross Area	1,458 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,782 sqft (0.041 acres)
Lot Dimensions	67 ft deep x 26.6 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	207 COVINGTON AVE
City	COVINGTON
State	KY
Zip	41011-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK B PT LOT 1 26.58'X 67 1/2' SS COVINGTON AVE 89.1' W RUSSELL
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	B
Legal Block	B
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County assessment roll, as of December 2, 2025

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	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jul 31, 2019	Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK
Dec 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
Jan 6, 2017	Deed of Trust, Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Jul 31, 2019 · Amount on Record
Deed Document Number	202114
Deed Book / Page	132 / 359
Prior Transfer Date	Dec 31, 2011
Prior Transfer Doc	0005900286
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2021
Property Address	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Document Number	0005900014
Book / Page	132 / 359
Instrument Date	Nov 17, 2021
Instrument	21112205900014
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 BELGRAVIA CT APT 3, 411, LOUISVILLE, KY 40208-2480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900015
Date	Nov 22, 2021
Book Page	304/396
Instrument	21112205900015

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2019
Property Address	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Document Number	0000000261
Book / Page	0C6718 / 000294
Instrument Date	Jul 26, 2019
Instrument	261
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 COVINGTON AVE COVINGTON KY 410111413, COVINGTON, KY 41011-1413

Mortgage

Document Number	262
Date	Jul 31, 2019
Book Page	0C6718/000297
Instrument	262

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Document Number	0000000077
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 COVINGTON AVE COVINGTON KY 410111413, COVINGTON, KY 41011-1413

Mortgage

Document Number	0000000077
Date	Dec 20, 2018
Book Page	0C6568/000036
Instrument	77

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 19, 2028

Interest

Rate	2%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	207 COVINGTON AVE, COVINGTON, KY 41011-1413
Document Number	0000000213
Book / Page	0C6076 / 000099
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	May 11, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 COVINGTON AVE COVINGTON KY 410111413, COVINGTON, KY 41011-1413

Mortgage

Document Number	0000000213
Date	Jan 17, 2017
Book Page	0C6076/000099
Instrument	213

Lender

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

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 16, 2032

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	$4,743.00 (-0.52%)	$358,000 (-) Land $15,000 Building $343,000	$358,000 (-) Land $15,000 Building $343,000
2023	$4,768.00	$358,000 Land $15,000 Building $343,000	$358,000 Land $15,000 Building $343,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 105 locations within half a mile, as of December 31, 2025

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

May also be available: Cincinnati Bell, Verizon.

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