216 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 216 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,875 sqft · built 1909
Lot Size	0.01 acres (450 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Apr 2019)
Tax Bill	$4,571 (2025)
Deeds & Mortgages	Oct 2022 Mortgage May 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-41-04-008.00`

Property Details

APN / Parcel Number

Primary APN	`055-41-04-008.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,875 sqft Finished Area
Gross Area	3,688 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Block
Roof Material	Slate
Lot Area	450 sqft (0.01 acres)
Lot Dimensions	45 ft deep x 10 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	216 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE W 48 LOT 62 & 10'X 45' LOT 63
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	62,63
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
Census Tract	61100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Wallace Woods Area Residential Historic District listed 1983 · 250 contributing resources · NRIS 83002807

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of October 20, 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	216 STERRETT AVE, COVINGTON, KY 41014-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
May 15, 2024	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Jun 8, 2020	Deed of Trust, Mortgage GUARDIAN SVGS BK
Apr 15, 2019	Grant Deed, Transfer GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	201904 15 059 00119
Deed Book / Page	6639 / 44
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	216 STERRETT AVE, COVINGTON, KY 41014-1245
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900105
Date	Oct 27, 2022
Book Page	KCM 417/356
Instrument	22102705900105

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	216 STERRETT AVE, COVINGTON, KY 41014-1245
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 STERRETT AVE, COVINGTON, KY 41014-1245

Mortgage

Document Number	0005900004
Date	May 15, 2024
Book Page	KCM 548/779
Instrument	24051505900004

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	216 STERRETT AVE, COVINGTON, KY 41014-1245
Document Number	0000000154
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 STERRETT AVE COVINGTON KY 410141245, COVINGTON, KY 41014-1245

Mortgage

Document Number	0000000154
Date	Jun 18, 2020
Book Page	000M59/000884
Instrument	154

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2019
Property Address	216 STERRETT AVE, COVINGTON, KY 41014-1245
Document Number	0000000119
Book / Page	0C6639 / 000044
Instrument Date	Apr 9, 2019
Instrument	119
Transaction Type	Transfer
Record Updated	Apr 26, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	216 STERRETT AVE COVINGTON KY 410141245, COVINGTON, KY 41014-1245

Mortgage

Document Number	120
Date	Apr 15, 2019
Book Page	0C6639/000048
Instrument	120

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

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
2026		$345,000 (-) Land $10,000 Building $335,000	$345,000 (-) Land $10,000 Building $335,000
2025	$4,571.00 (+16.34%)	$345,000 (+16.95%) Land $5,000 Building $340,000	$345,000 (+16.95%) Land $5,000 Building $340,000
2023	$3,929.00	$295,000 Land $5,000 Building $290,000	$295,000 Land $5,000 Building $290,000

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 97% of the US · lower than 97.3% 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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