Kenton County property record for 221 Covington Ave, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,954 sqft |
| Lot Size | 0.048 acres (2,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jun 2025) |
| Tax Bill | $3,610 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-08-006.00 |
| Primary APN | 054-21-08-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,954 sqft Finished Area |
| Gross Area | 2,018 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 2,075 sqft (0.048 acres) |
| Lot Dimensions | 83 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 221 COVINGTON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOHNSON & RUSSELL BLK B PT LOT 4 25'X 83' 25' SS COV AVE 200' E JOHNSON |
| Legal Subdivision | JOHNSON & RUSSELL |
| Legal Phase | B |
| Legal Block | B |
| Legal Lot Number | 4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 67000 |
Source: Kenton County records · APN 054-21-08-006.00
Assessment roll updated December 2, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 221 COVINGTON AVE, COVINGTON, KY 41011-1413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 08, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jun 07, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 2025 · Amount on Record |
| Deed Sale | Jun 09, 2025 · Amount on Record |
| Prior Sale | Jul 08, 2022 · Amount on Record |
| Deed Document Number | 202533 |
| Deed Book / Page | 345 / 730 |
| Prior Transfer Date | Oct 30, 2024 |
| Prior Transfer Doc | 0005900046 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 08, 2022 |
| Property Address | 221 COVINGTON AVE, COVINGTON, KY 41011-1413 |
| Document Number | 0005900014 |
| Book / Page | 175 / 691 |
| Instrument Date | Jul 01, 2022 |
| Instrument | 22070805900014 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 318 W 6TH ST, 318, COVINGTON, KY 41011-1302 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 221 COVINGTON AVE, COVINGTON, KY 41011-1413 |
| Document Number | 0005900015 |
|---|---|
| Date | Jul 08, 2022 |
| Instrument | 22070805900015 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 221 COVINGTON AVE, COVINGTON, KY 41011-1413 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0005900151 |
|---|---|
| Date | Jun 07, 2022 |
| Book Page | 377/366 |
| Instrument | 22060705900151 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,610.00 (-0.52%) | $272,500 (-) Land $15,000 Building $257,500 | $272,500 (-) Land $15,000 Building $257,500 |
| 2023 | $3,629.00 | $272,500 Land $15,000 Building $257,500 | $272,500 Land $15,000 Building $257,500 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Cincinnati Bell, Verizon.
Based on FCC filings for 105 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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