209 W 20th St, Covington, KY 41014 Property Records

Kenton County property record for 209 W 20th St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,146 sqft · built 1929
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Aug 2022)
Tax Bill	$728 (2025)
Deeds & Mortgages	Aug 2022 Sale Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`055-14-04-011.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-04-011.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,146 sqft Finished Area
Gross Area	1,279 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Wood Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	50 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	209 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1107
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOWARD PT LOT 51 50'X 50' SS 20TH ST 70' W RUSSELL
Legal Subdivision	HOWARD & CO
Legal Lot Number	51
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
Census Tract	65000

Owner

209 W 20th St, a duplex, is owned by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3555 STEEP CREEK RD, COVINGTON, KY 41015-9330
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer
Aug 9, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	Aug 9, 2022 · Amount on File
Deed Document Number	2022133
Deed Book / Page	182 / 127
Prior Transfer Date	Aug 3, 2022
Prior Transfer Doc	0005900133
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2022
Property Address	209 W 20TH ST, COVINGTON, KY 41014-1107
Document Number	0005900132
Book / Page	182 / 124
Instrument Date	Aug 5, 2022
Instrument	22080905900132
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 W 20TH ST, 213, COVINGTON, KY 41014-1107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 STEEP CREEK RD, COVINGTON, KY 41015

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2022
Property Address	209 W 20TH ST, COVINGTON, KY 41014-1107
Document Number	0005900133
Book / Page	182 / 127
Instrument Date	May 2, 2022
Instrument	22080905900133
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$40.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 W 20TH ST, 213, COVINGTON, KY 41014-1107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3533 GAMBLE AVE, CINCINNATI, OH 45211-5562

Tax Assessment & Valuation

The 2025 property tax bill for 209 W 20th St was $728.

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		$100,000 (+81.82%) Land $10,000 Building $90,000	$100,000 (+81.82%) Land $10,000 Building $90,000
2025	$728.00	$55,000 Land $5,000 Building $50,000	$55,000 Land $5,000 Building $50,000
2023	$732.00	$55,000 Land $5,000 Building $50,000	$55,000 Land $5,000 Building $50,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 209 W 20th 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.

Wildfire

The area around 209 W 20th 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.

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 956 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

May also be available: AT&T, T-Mobile, Verizon.

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