2209 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 2209 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,452 sqft · built 1901
Lot Size	0.121 acres (5,250 sqft)
Owner	Individual Name on Record
Last Sale	$192,500 (Dec 2021)
Tax Bill	$2,550 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-32-07-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-07-013.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Finished Area
Gross Area	1,688 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	5,250 sqft (0.121 acres)
Lot Dimensions	150 ft deep x 35 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2209 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE PT LOTS 55-56-57 35'X 150' WS STERRETT 165' S WALLACE
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	55,56
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	Individual Name on Record
Mailing Address	2209 STERRETT AVE, COVINGTON, KY 41014-1264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION SAVINGS BANK
Feb 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Prior Sale	Feb 17, 2020 · Amount on Record
Deed Document Number	20215900018
Deed Book / Page	135 / 324
Prior Transfer Date	Mar 31, 2015
Prior Transfer Doc	0000000129
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 7, 2021
Property Address	2209 STERRETT AVE, COVINGTON, KY 41014-1264
Document Number	0005900018
Book / Page	135 / 324
Instrument Date	Dec 2, 2021
Instrument	21120705900018
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	PROMINENT TITLE AGENCY

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	220 STERRETT AVE, 220, COVINGTON, KY 41014-1287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 STERRETT AVENUE, CINCINNATI, OH 45244

Mortgage

Document Number	0005900064
Date	Dec 8, 2021
Book Page	312/374
Instrument	21120805900064

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2020
Property Address	2209 STERRETT AVE, COVINGTON, KY 41014-1264
Document Number	0000000350
Book / Page	000007 / 000739
Instrument Date	Jan 30, 2020
Instrument	350
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2209 STERRETT AVE COVINGTON KY 410141264, COVINGTON, KY 41014-1264

Mortgage

Document Number	351
Date	Feb 17, 2020
Book Page	000M12/000569
Instrument	351

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2050

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		$192,500 (-) Land $10,000 Building $182,500	$192,500 (-) Land $10,000 Building $182,500
2025	$2,550.00 (-0.55%)	$192,500 (-) Land $10,000 Building $182,500	$192,500 (-) Land $10,000 Building $182,500
2023	$2,564.00	$192,500 Land $10,000 Building $182,500	$192,500 Land $10,000 Building $182,500

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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