Kenton County property record for 2103 Howell St, Covington, KY 41014 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,302 sqft · built 1899 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,800 (Dec 2019) |
| Tax Bill | $1,266 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-03-015.00 |
| Primary APN | 055-21-03-015.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,302 sqft Finished Area |
| Gross Area | 1,474 sqft |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2103 HOWELL ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CENTRAL COV L & B CO LOT 2 |
| Legal Subdivision | CENTRAL COV L & B CO |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 65000 |
Source: Kenton County records · APN 055-21-03-015.00
Assessment roll updated December 2, 2025 · Last verified July 2026
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 | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 04, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 26, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN NBRHD MTG ACCPTNC |
| Dec 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Jul 05, 2019 | Grant Deed, Transfer KENNETH J KLEKAMP INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 26, 2019 · Amount on Record |
| Deed Sale | Dec 26, 2019 · Amount on Record |
| Prior Sale | Jul 05, 2019 · Amount on Record |
| Deed Document Number | 201912 26 059 00137 |
| Deed Book / Page | 6838 / 157 |
| Prior Transfer Date | Nov 08, 2010 |
| Prior Transfer Doc | 0005900188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Document Number | 0005900153 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | KCM544/830 |
| Instrument | 24043005900153 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1600 S DOUGLASS RD STE 110, ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Document Number | 0005900005 |
|---|---|
| Date | Dec 04, 2023 |
| Book Page | KCM 511/95 |
| Instrument | 23120405900005 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Apr 01, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 26, 2019 |
| Property Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Document Number | 0000000137 |
| Book / Page | 0C6838 / 000157 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 137 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | BRIDGE TRUST TITLE GROUP, BRIDGE TR TITLE GRP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 613 WESTERN AVE COVINGTON KY 410111074, COVINGTON, KY 41011-1074 |
| Document Number | 139 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 0C6838/000159 |
| Instrument | 139 |
| Name | AMERICAN NBRHD MTG ACCPTNC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Document Number | 0000000164 |
| Instrument Date | Dec 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2103 HOWELL ST COVINGTON KY 410141127, COVINGTON, KY 41014-1127 |
| Document Number | 0000000164 |
|---|---|
| Date | Jan 24, 2020 |
| Book Page | 0000M6/000170 |
| Instrument | 164 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 23, 2025 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 05, 2019 |
| Property Address | 2103 HOWELL ST, COVINGTON, KY 41014-1127 |
| Document Number | 0000000161 |
| Book / Page | 0C6697 / 000202 |
| Instrument Date | Jul 03, 2019 |
| Instrument | 161 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1031 FOX RUN DR INDEPENDENCE KY 410518551, INDEPENDENCE, KY 41051-8551 |
| Document Number | 162 |
|---|---|
| Date | Jul 05, 2019 |
| Book Page | 0C6697/000205 |
| Instrument | 162 |
| Name | KENNETH J KLEKAMP INC |
|---|---|
| Address | 2950 HEBRON PARK DR # G, HEBRON, KY 41048-8511 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 04, 2024 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,266.00 (-0.55%) | $95,600 (-) Land $5,000 Building $90,600 | $95,600 (-) Land $5,000 Building $90,600 |
| 2023 | $1,273.00 | $95,600 Land $5,000 Building $90,600 | $95,600 Land $5,000 Building $90,600 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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