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

Kenton County property record for 220 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 887 sqft
Lot Size	0.083 acres (3,625 sqft)
Owner	Company Name on File
Last Sale	$700,000 (Mar 2026)
Tax Bill	$1,010 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2026 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-03-020.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-03-020.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	887 sqft Finished Area
Gross Area	990 sqft

Exterior

Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,625 sqft (0.083 acres)
Lot Dimensions	145 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	220 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOT 85 25'X 145' NS 20TH 230' W RUSSELL
Legal Subdivision	HOWARD & CO
Legal Lot Number	85
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

Owner

220 W 20th St is owned by a company that bought it in March 2026.

Source: Kenton County records, as of October 21, 2026

Owner of Record	Company Name on File
Mailing Address	2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jul 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage NJ LENDING CORPORATION
Mar 27, 2026	Warranty Deed, Transfer · Commercial Mortgage MWC WB SPV LLC
May 14, 2021	Deed of Trust, Mortgage · Line of Credit TRADITIONAL BANK INC
May 14, 2021	Deed of Trust, Mortgage TRADITIONAL BANK INC
Jan 10, 2020	Deed of Trust, Mortgage TRADITIONAL BK
Mar 15, 2019	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 8, 2018	Trustee's Deed, Transfer ANN MILBURN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on File
Deed Sale	Mar 27, 2026 · Amount on File
Prior Sale	Mar 15, 2019 · Amount on File
Deed Document Number	20266246
Deed Book / Page	406 / 731
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 10, 2026
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000014297
Book / Page	457 / 482
Instrument Date	Jun 23, 2026
Instrument	202614297
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102

Mortgage

Document Number	0000014297,
Date	Jul 10, 2026
Book Page	457/482
Instrument	202614297

Lender

Name	NJ LENDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 27, 2026
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000006246
Book / Page	406 / 731
Instrument Date	Mar 24, 2026
Instrument	26059000006246
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4329 CRESCENT SPRINGS CT, LEXINGTON, KY 40515-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006247
Date	Mar 27, 2026
Book Page	406/738
Instrument	26059000006247

Lender

Name	MWC WB SPV LLC
Type	Non-Lending Institution
Address	OWINGS MILLS, MD 21117

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 26, 2027

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900084
Date	May 14, 2021
Book Page	215/854
Instrument	21051405900084

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Apr 28, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900082
Date	May 14, 2021
Book Page	215/790
Instrument	21051405900082

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Amount	Amount on Record
Term	119 Months
Due	Apr 28, 2031

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000164
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4329 CRESCENT SPRINGS CT LEXINGTON KY 405154787, LEXINGTON, KY 40515-4787

Mortgage

Document Number	0000000164
Date	Feb 20, 2020
Book Page	000M13/000863
Instrument	164

Lender

Name	TRADITIONAL BK
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 19, 2030

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 15, 2019
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000207
Book / Page	0C6619 / 000165
Instrument Date	Mar 14, 2019
Instrument	207
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4329 CRESCENT SPRINGS CT LEXINGTON KY 405154787, LEXINGTON, KY 40515-4787
Investor	Possibly a Property Investor

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2018
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000142
Book / Page	0C6553 / 000101
Instrument Date	Nov 27, 2018
Instrument	142
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$37.24
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	220 W 20TH ST COVINGTON KY 410141108, COVINGTON, KY 41014-1108
Investor	Possibly a Property Investor

November 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2018
Property Address	220 W 20TH ST, COVINGTON, KY 41014-1108
Document Number	0000000320
Book / Page	0C6542 / 000112
Instrument Date	Nov 8, 2018
Instrument	320
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,800.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3113 CAROL LEE DR ERLANGER KY 410182247, ERLANGER, KY 41018-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	55
Date	Nov 8, 2018
Book Page	0C6554/000001
Instrument	55

Lender

Name	ANN MILBURN
Address	425 WALNUT ST # 7TH, CINCINNATI, OH 45202-3944

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 7, 2038

Interest

Rate	3.22%

Tax Assessment & Valuation

The 2025 property tax bill for 220 W 20th St was $1,010.

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		$95,000 (+24.51%) Land $10,000 Building $85,000	$95,000 (+24.51%) Land $10,000 Building $85,000
2025	$1,010.00	$76,300 Land $5,000 Building $71,300	$76,300 Land $5,000 Building $71,300
2023	$1,016.00	$76,300 Land $5,000 Building $71,300	$76,300 Land $5,000 Building $71,300

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

Flood

FEMA maps place 220 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 220 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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