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21 Howard Rd, Covington, KY 41011 Property Records

Kenton County property record for 21 Howard Rd, Covington, KY 41011 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 1947
Square Footage1,170 sqft Finished Area
Lot Size14,810 sqft (0.34 acres)
GarageBasement
Last Sale$257,000 (2024)
Tax Bill$2,546.00 (2025)

Property Details

APN / Parcel Number

Primary APN041-20-00-094.00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area1,170 sqft Finished Area
Gross Area1,503 sqft Gross Area
Stories1 Stories

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Exterior MaterialBrick Exterior
Lot Area14,810 sqft (0.34 acres)
Parking Spaces1 Parking Spaces
Garage TypeBasement Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address21 HOWARD RD
CityCOVINGTON
StateKY
Zip41011-2731
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBARRINGTON WOODS REV 1-2 LOTS 43-44
Legal SubdivisionBARRINGTON WOODS
Legal Phase21-2
Legal Lot Number43-44
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2001
Census Tract64800

Owner

Source: Kenton County records · APN 041-20-00-094.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3886 EAGLELEDGE CT, INDEPENDENCE, KY 41051-7457
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 27, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jun 13, 2023Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK NA
Apr 02, 2020Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
RUOFF MTG
Sep 10, 2018Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
RUOFF MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 08, 2024 · Amount on Record
Deed SaleMar 08, 2024 · Amount on Record
Prior SaleAug 14, 2006 · Amount on Record
Deed Doc Number202449
Deed Book / Page273 / 248
Prior Transfer DateAug 29, 2008
Prior Transfer Doc0005900209
Record RefreshedJun 08, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address21 HOWARD RD, COVINGTON, KY 41011-2731
Transaction TypeMortgage
Record UpdatedMar 17, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3886 EAGLELEDGE CT, INDEPENDENCE, KY 41051-7457

Mortgage

Document Number0000004005
DateFeb 27, 2026
Book Page737/934
Instrument26059000004005
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2056

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address21 HOWARD RD, COVINGTON, KY 41011-2731
Transaction TypeMortgage
Record UpdatedJun 23, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 HOWARD RD, COVINGTON, KY 41011-2731

Mortgage

Document Number0005900282
DateJun 13, 2023
Book PageKCM 468/880
Instrument23061305900282
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueMay 25, 2053

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address21 HOWARD RD, COVINGTON, KY 41011-2731
Document Number0000000039
Instrument DateApr 02, 2020
Transaction TypeMortgage
Record UpdatedJun 12, 2020
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 HOWARD RD COVINGTON KY 410112731, COVINGTON, KY 41011-2731

Mortgage

Document Number0000000039
DateApr 14, 2020
Book Page000M31/000544
Instrument39
Lender
NameRUOFF MTG
TypeMortgage Company
AddressFORT WAYNE, IN 46804
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueApr 13, 2050

September 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateSep 10, 2018
Property Address21 HOWARD RD, COVINGTON, KY 41011-2731
Document Number0000000131
Book / Page0C6498 / 000129
Instrument DateSep 07, 2018
Instrument131
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyKENTUCKY LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$173.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 HOWARD RD COVINGTON KY 410112731, COVINGTON, KY 41011-2731

Mortgage

Document Number132
DateSep 10, 2018
Book Page0C6498/000132
Instrument132
Lender
NameRUOFF MTG
TypeMortgage Company
AddressFORT WAYNE, IN 46804
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueSep 09, 2048

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityFort Wright City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,546.00 (+38.07%)$257,000 (+48.55%) Land $40,000 Building $217,000$257,000 (+48.55%) Land $40,000 Building $217,000
2023$1,844.00$173,000 Land $40,000 Building $133,000$173,000 Land $40,000 Building $133,000

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