2215 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 2215 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,706 sqft · built 1904
Lot Size	0.076 acres (3,330 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Oct 2022)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-41-04-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-41-04-013.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 sqft Finished Area
Gross Area	1,930 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,330 sqft (0.076 acres)
Lot Dimensions	100 ft deep x 33.3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2215 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE PT LOTS 64-65 33.33'X 100' WS STERRETT 266.8' S WALLACE
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	64,65
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	2215 STERRETT AVE, COVINGTON, KY 41014-1264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 7, 2022	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Apr 20, 2022	Warranty Deed, Transfer · Balloon Mortgage GOLDEN EMPIRE MORTGAGE INC
Sep 5, 2017	Warranty Deed, Transfer · FHA Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Apr 20, 2022 · Amount on Record
Deed Document Number	20227
Deed Book / Page	196 / 595
Prior Transfer Date	Feb 22, 2000
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 25, 2022
Property Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264
Document Number	0005900007
Book / Page	KC 196 / 595
Map Reference	PL 342
Instrument Date	Oct 20, 2022
Instrument	22102505900007
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

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	60 CANDALIER BOULEVARD, 60, FLORENCE, KY 41042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264

Mortgage

Document Number	0005900008
Date	Oct 25, 2022
Instrument	22102505900008

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264

Mortgage

Document Number	0005900217
Date	Jun 7, 2022
Book Page	377/485
Instrument	22060705900217

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Sep 1, 2047

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2022
Property Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264
Document Number	0005900160
Book / Page	160 / 849
Map Reference	PL 342
Instrument Date	Apr 18, 2022
Instrument	22042005900160
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
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	19 BARMA DR, 19, COLD SPRING, KY 41076-1716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 CAVALIES BLVD, FLORENCE, KY 41042-1645
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900161
Date	Apr 20, 2022
Book Page	362/899
Instrument	22042005900161

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	LOUISVILLE, KY 40207

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 18, 2023

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 5, 2017
Property Address	2215 STERRETT AVE, COVINGTON, KY 41014-1264
Document Number	0000000118
Book / Page	006240 / 000044
Instrument Date	Aug 21, 2017
Instrument	118
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2215 STERRETT AVE COVINGTON KY 410141264, COVINGTON, KY 41014-1264

Mortgage

Document Number	119
Date	Sep 5, 2017
Book Page	0C6240/000049
Instrument	119

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

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		$250,000 (-) Land $10,000 Building $240,000	$250,000 (-) Land $10,000 Building $240,000
2025	$3,312.00 (-0.54%)	$250,000 (-) Land $5,000 Building $245,000	$250,000 (-) Land $5,000 Building $245,000
2023	$3,330.00	$250,000 Land $5,000 Building $245,000	$250,000 Land $5,000 Building $245,000

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

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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