220 Covington Ave, Covington, KY 41011 Property Records

Kenton County property record for 220 Covington Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,040 sqft · built 1900
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Tax Bill	$2,396 (2025)
Deeds & Mortgages	May 2024 Line of Credit Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-07-013.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-07-013.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,040 sqft Finished Area
Gross Area	2,244 sqft

Exterior

Year Built	Built 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542107013.00
Street Address	220 COVINGTON AVE
City	COVINGTON
State	KY
Zip	41011-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK 16 PT LOT 14 25'X 100'
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	16
Legal Block	16
Legal Lot Number	14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
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 November 27, 2025

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	220 COVINGTON AVE, COVINGTON, KY 41011-1414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK KENTUCKY INC
Feb 23, 2024	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Dec 6, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 9, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 1998
Deed Sale	Nov 17, 1998
Deed Document Number	0000126838
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414
Transaction Type	Mortgage
Record Updated	May 22, 2024
Title Company	BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414

Mortgage

Document Number	0005900057
Date	May 2, 2024
Book Page	KCM545/575
Instrument	24050205900057

Lender

Name	FIFTH THIRD BANK KENTUCKY INC
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 25, 2054

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900095
Date	Feb 23, 2024
Book Page	KCM 528/84
Instrument	24022305900095

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	237 Months
Due	Nov 1, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414

Mortgage

Document Number	0005900011
Date	Dec 6, 2021
Book Page	310/631
Instrument	21120605900011

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 COVINGTON AVE, COVINGTON, KY 41011-1414
Document Number	0000000062
Instrument Date	May 9, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 COVINGTON AVE COVINGTON KY 410111414, COVINGTON, KY 41011-1414

Mortgage

Document Number	0000000062
Date	Feb 4, 2019
Book Page	0C6593/000020
Instrument	62

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,396.00 (-21.78%) Homeowner's exemption	$230,000 (-) Land $15,000 Building $215,000	$230,000 (-) Land $15,000 Building $215,000
2023	$3,063.00	$230,000 Land $15,000 Building $215,000	$230,000 Land $15,000 Building $215,000

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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