207 Western Ave, Covington, KY 41011 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 2,618 sqft · built 1869
Lot Size	0.077 acres (3,375 sqft)
Owner	Company Name on File
Last Sale	$894,500 (May 2021)
Tax Bill	$1,417 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-30-01-175.00`

Property Details

APN / Parcel Number

Primary APN	`040-30-01-175.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,618 sqft Finished Area

Exterior

Year Built	Built 1869
Effective Year Built	Effective 1869
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Lot Area	3,375 sqft (0.077 acres)
Lot Dimensions	135 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Space Heater
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	207 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW I L FARM BLK B PT LOT 3 25'X 135' WS WESTERN
Legal Subdivision	LUDLOW I L SUBD
Legal Phase	B
Legal Block	B
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61600

Owner

207 Western Ave is owned by a company that bought it in May 2021.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	6594 ROSEWOOD LN, GOSHEN, OH 45122-8471
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed, Transfer · Commercial Mortgage MICHAEL T FRAZIER
Apr 30, 2021	Deed, Transfer · Stand-Alone First Mortgage MICHAEL FRAZIER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on File
Deed Sale	May 4, 2021 · Amount on File
Deed Document Number	20215900050
Deed Book / Page	88 / 172
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	May 4, 2021
Property Address	207 WESTERN AVE, COVINGTON, KY 41011-1038
Document Number	0005900050
Book / Page	88 / 172
Instrument Date	Apr 28, 2021
Instrument	21050405900050
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6594 ROSEWOOD LN, GOSHEN, OH 45122-8471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6594 ROSEWOOD LN, GOSHEN, OH 45122-8471
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900051
Date	May 4, 2021
Book Page	210/873
Instrument	21050405900051

Lender

Name	MICHAEL T FRAZIER
Type	Private Party
Address	3758 114 VERNON AVE, CINCINNATI, OH 45209

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	58 Months
Due	Mar 1, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BOONE KY
Recording Date	Apr 30, 2021
Property Address	207 WESTERN AVE, COVINGTON, KY 41011-1038
Document Number	D1164/792
Book / Page	D1164 / 792
Instrument Date	Apr 20, 2021
Instrument	834164
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3758 MOUNT VERNON AVE, 3758, CINCINNATI, OH 45209-2116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6594 ROSEWOOD LN, GOSHEN, OH 45122-8471
Investor	Possibly a Property Investor

Mortgage

Document Number	834165
Date	Apr 30, 2021
Instrument	834165

Lender

Name	MICHAEL FRAZIER
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	59 Months
Due	Mar 1, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 207 Western Ave was $1,417.

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		$131,800 (+23.18%) Land $10,000 Building $121,800	$131,800 (+23.18%) Land $10,000 Building $121,800
2025	$1,417.00	$107,000 Land $10,000 Building $97,000	$107,000 Land $10,000 Building $97,000
2023	$1,425.00	$107,000 Land $10,000 Building $97,000	$107,000 Land $10,000 Building $97,000

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

Flood

FEMA maps place 207 Western Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 207 Western Ave is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 100 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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