21 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 21 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,868 sqft · built 1899
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,500 (Jul 1994)
Tax Bill	$3,059 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-23-17-003.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-17-003.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,868 sqft Finished Area

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Brick
Roof Material	Slate
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	233 ft deep x 10 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	21 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE LOT 93
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	93
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
Census Tract	61100

Owner

Source: Kenton County records, as of May 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	21 STERRETT AVE, COVINGTON, KY 41014-1282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 1994 · Amount on Record
Deed Sale	Jul 14, 1994 · Amount on Record
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 5, 2026
Property Address	21 STERRETT AVE, COVINGTON, KY 41014-1282
Document Number	0000009087
Book / Page	424 / 624
Instrument Date	Apr 24, 2026
Instrument	20269087
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PROMINENCE TITLE, PROMINENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 STERRETT AVE, COVINGTON, KY 41014-1282

Mortgage

Document Number	0000009087,
Date	May 5, 2026
Book Page	424/624
Instrument	20269087

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 STERRETT AVE, COVINGTON, KY 41014-1282
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900092
Date	Jul 26, 2023
Book Page	KCM 479/149
Instrument	23072605900092

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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	$3,059.00 (-17.97%) Homeowner's exemption	$280,000 (-) Land $5,000 Building $275,000	$280,000 (-) Land $5,000 Building $275,000
2023	$3,729.00	$280,000 Land $5,000 Building $275,000	$280,000 Land $5,000 Building $275,000

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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