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

Kenton County property record for 219 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,042 sqft
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Nov 2025)
Tax Bill	$728 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-04-007.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-04-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,042 sqft Finished Area
Gross Area	1,342 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Wood Shingle
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	136 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	219 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD E 1/2 LOT 73
Legal Subdivision	HOWARD & CO
Legal Lot Number	73
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
Census Tract	65000

Owner

Source: Kenton County records, as of October 21, 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 Record
Mailing Address	219 W 20TH ST, COVINGTON, KY 41014-1107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Nov 24, 2025	Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Sep 1, 2022	Warranty Deed, Transfer
Jun 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Sep 1, 2022 · Amount on Record
Deed Document Number	2025112428
Deed Book / Page	376 / 364
Prior Transfer Date	Jun 12, 2017
Prior Transfer Doc	0005900205
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	219 W 20TH ST, COVINGTON, KY 41014-1107
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 W 20TH ST, COVINGTON, KY 41014-1107

Mortgage

Document Number	0005900030
Date	Nov 24, 2025
Book Page	KCM 709/625
Instrument	25112405900030

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Nov 24, 2025
Property Address	219 W 20TH ST, COVINGTON, KY 41014-1107
Document Number	0005900028
Book / Page	KC 376 / 364
Map Reference	MB 282 PG 514
Instrument Date	Nov 19, 2025
Instrument	25112405900028
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2103 MADISON DR, HEBRON, KY 41048-7399

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 W 20TH ST, COVINGTON, KY 41014-1107

Mortgage

Document Number	0005900029
Date	Nov 24, 2025
Book Page	KCM 709/604
Instrument	25112405900029

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 1, 2022
Property Address	219 W 20TH ST, COVINGTON, KY 41014-1107
Document Number	0005900089
Book / Page	187 / 562
Map Reference	MB 282 PG 514
Instrument Date	Aug 29, 2022
Instrument	22090105900089
Transaction Type	Transfer
Record Updated	Sep 16, 2022

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2312 AMSTERDAM RD, 2312, VILLA HILLS, KY 41017-3710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2103 MADISON DR, HEBRON, KY 41048-7399

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 16, 2017
Property Address	219 W 20TH ST, COVINGTON, KY 41014-1107
Document Number	0000000205
Book / Page	0C6182 / 000279
Instrument Date	Jun 12, 2017
Instrument	205
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2312 AMSTERDAM RD VILLA HILLS KY 410173710, VILLA HILLS, KY 41017-3710

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		$132,000 (+14%) Land $10,000 Building $122,000	$132,000 (+14%) Land $10,000 Building $122,000
2025	$728.00 (-0.55%)	$55,000 (-) Land $5,000 Building $50,000	$55,000 (-) Land $5,000 Building $50,000
2023	$732.00	$55,000 Land $5,000 Building $50,000	$55,000 Land $5,000 Building $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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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