217 W 5th St, Covington, KY 41011 Property Records

Kenton County property record for 217 W 5th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,280 sqft
Lot Size	0.062 acres (2,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Feb 2024)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Oct 2022 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-13-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-13-005.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,280 sqft Finished Area
Gross Area	1,688 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Metal
Lot Area	2,717 sqft (0.062 acres)
Lot Dimensions	109 ft deep x 25.4 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	217 W 5TH ST
City	COVINGTON
State	KY
Zip	41011-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK 22 PT LOTS 10-11 25.4'X 109.4' IRREG
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	22
Legal Block	22
Legal Lot Number	10,11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

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	2479 MADISON RD, CINCINNATI, OH 45208-1258
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Intrafamily Transfer, Transfer · Construction Mortgage CINFED CU
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit CINCINNATI INTERAGENCY FCU
Jun 28, 2022	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Aug 12, 2021	Intrafamily Transfer, Transfer
Aug 12, 2021	Warranty Deed, Transfer
Jun 11, 2021	Deed of Trust, Mortgage AS CAPITAL LLC
May 19, 2021	Warranty Deed, Transfer
Dec 23, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 13, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2024 · Amount on Record
Deed Sale	Feb 6, 2024 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	202414
Deed Book / Page	268 / 294
Prior Transfer Date	Jan 31, 2024
Prior Transfer Doc	0005900014
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 6, 2024
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0005900014
Book / Page	KC 268 / 294
Map Reference	PG 117
Instrument Date	Jan 31, 2024
Instrument	24020605900014
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2479 MADISON RD, CINCINNATI, OH 45208-1258

Mortgage

Document Number	0005900088
Date	Feb 6, 2024
Instrument	24020605900088

Lender

Name	CINFED CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Mar 1, 2027
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Margin	3
Max Rate	12.5%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900121
Date	Oct 11, 2022
Book Page	413/955
Instrument	22101105900121

Lender

Name	CINCINNATI INTERAGENCY FCU
Type	Credit Union
Address	CINCINNATI, OH 45219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 28, 2022
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0005900013
Book / Page	173 / 720
Instrument Date	Jun 21, 2022
Instrument	22062805900013
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 PARK AVE S # S73833, 228, NEW YORK, NY 10003-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 PRINCETON AVE, COVINGTON, KY 41017-2852

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 12, 2021
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0005900125
Book / Page	110 / 244
Map Reference	DOC 1080
Instrument Date	Jul 20, 2021
Instrument	21081205900125
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 12, 2021
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0005900126
Book / Page	110 / 248
Map Reference	PG 117
Instrument Date	Jul 20, 2021
Instrument	21081205900126
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Amount	Amount Recorded
Tax	$151.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502
Investor	Possibly a Property Investor

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	HOMETOWN TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900157
Date	Jun 11, 2021
Book Page	229/953
Instrument	21061105900157

Lender

Name	AS CAPITAL LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45248

Agreement

Amount	Amount Recorded
Term	5 Months
Due	Nov 5, 2021

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 19, 2021
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0005900125
Book / Page	91 / 403
Map Reference	PG 117 SER 1080
Instrument Date	Apr 30, 2021
Instrument	21051905900125
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 W 5TH ST, 217, COVINGTON, KY 41011-1405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 23, 2019
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0000000202
Book / Page	0C6836 / 000141
Instrument Date	Dec 20, 2019
Instrument	202
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 FLORENCE AVE SOUTHGATE KY 410713207, SOUTHGATE, KY 41071-3207

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 13, 2018
Property Address	217 W 5TH ST, COVINGTON, KY 41011-1405
Document Number	0000000136
Book / Page	0C6476 / 000025
Instrument Date	Aug 10, 2018
Instrument	136
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	294 GENERAL MITCHEL LN FORT MITCHELL KY 410175620, FORT MITCHELL, KY 41017-5620

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		$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2025	$2,318.00 (+39.22%)	$175,000 (+4%) Land $15,000 Building $160,000	$175,000 (+4%) Land $15,000 Building $160,000
2023	$1,665.00	$125,000 Land $15,000 Building $110,000	$125,000 Land $15,000 Building $110,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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