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221 W 4th St, Covington, KY 41011 Property Records

Kenton County property record for 221 W 4th St, Covington, KY 41011

Property Summary

Property TypeDuplex
Details2 bd · 2 ba · 2,945 sqft
Lot Size0.07 acres (3,049 sqft)
OwnerCompany Name on Record
Last Sale$115,000 (Mar 2022)
Tax Bill$1,855 (2025)
Deeds & MortgagesMar 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN054-21-07-003.01

Property Details

APN / Parcel Number

Primary APN054-21-07-003.01

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area2,945 sqft Finished Area
Gross Area3,349 sqft

Exterior

Architectural StyleDuplex Single
Exterior MaterialBrick
Foundation TypeStone
Lot Area3,049 sqft (0.07 acres)
Lot Dimensions100 ft deep x 30 ft wide
Garage Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address221 W 4TH ST
CityCOVINGTON
StateKY
Zip41011-1429
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionJOHNSON & RUSSELL BLK 16 PT LOTS 6-7
Legal SubdivisionJOHNSON & RUSSELL
Legal Phase16
Legal Block16
Legal Lot Number6,7
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2007
Census Tract67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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 October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address3091 LITTLE DRY RUN RD, CINCINNATI, OH 45244-2503
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 25, 2022 · Amount on Record
Deed SaleMar 25, 2022 · Amount on Record
Prior SaleMar 17, 2022 · Amount on Record
Deed Document Number202227
Deed Book / Page155 / 576
Transfer Doc0000000027
Record UpdatedOct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateMar 17, 2022
Property Address221 W 4TH ST, COVINGTON, KY 41011-1429
Document Number0005900164
Book / Page154 / 55
Map ReferencePL 117
Instrument DateMar 15, 2022
Instrument22031705900164
Transaction TypeTransfer
Record UpdatedApr 7, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3091 LITTLE DRY RUN RD, 3091, CINCINNATI, OH 45244-2503

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address221 W 4TH ST, COVINGTON, KY 41011-1429

Mortgage

Document Number0005900165
DateMar 17, 2022
Book Page349/425
Instrument22031705900165
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$200,000 (+42.86%) Land $15,000 Building $185,000$200,000 (+42.86%) Land $15,000 Building $185,000
2025$1,855.00 (-0.48%)$140,000 (-) Land $15,000 Building $125,000$140,000 (-) Land $15,000 Building $125,000
2023$1,864.00$140,000 Land $15,000 Building $125,000$140,000 Land $15,000 Building $125,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims3 (1978–2025)
Most Recent ClaimApr 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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