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

Kenton County property record for 214 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,204 sqft
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$48,600 (Aug 2017)
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Feb 2018 Sale Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-14-03-018.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-03-018.00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,204 sqft Finished Area
Gross Area	1,389 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	214 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD W 1/2 LOT 83 & LOT 84
Legal Subdivision	HOWARD & CO
Legal Lot Number	84,83
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

Owner

214 W 20th St is owned and occupied by an individual who acquired it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	214 W 20TH ST, COVINGTON, KY 41014-1108
Occupancy	Owner Occupied
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
Feb 20, 2018	Grant Deed, Transfer ATTORNEY ONLY
Aug 22, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2017 · Amount on File
Deed Sale	Aug 22, 2017 · Amount on File
Deed Document Number	201708 22 059 00145
Deed Book / Page	6230 / 32
Last Transfer Date	Jan 2, 2018
Transfer Doc	0005900157
Record Updated	Oct 29, 2026

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Feb 20, 2018
Property Address	214 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000157
Book / Page	0C6357 / 000046
Instrument Date	Jan 31, 2018
Instrument	157
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$48.60
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 W 20TH ST COVINGTON KY 410141108, COVINGTON, KY 41014-1108

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 22, 2017
Property Address	214 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000145
Book / Page	006230 / 000032
Instrument Date	Aug 17, 2017
Instrument	145
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 W 20TH ST COVINGTON KY 410141108, COVINGTON, KY 41014-1108

Mortgage

Document Number	148
Date	Aug 22, 2017
Book Page	006230/000036
Instrument	148

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2047

Mortgage

Document Number	149,
Date	Aug 22, 2017
Book Page	006230/000050
Instrument	149

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 21, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 214 W 20th St was $1,060.

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 (+25%) Land $10,000 Building $90,000	$100,000 (+25%) Land $10,000 Building $90,000
2025	$1,060.00	$80,000 Land $15,000 Building $65,000	$80,000 Land $15,000 Building $65,000
2023	$932.00	$70,000 Land $5,000 Building $65,000	$70,000 Land $5,000 Building $65,000

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

Flood

FEMA maps place 214 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 214 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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