222 W 5th St, Covington, KY 41011 Property Records

Kenton County property record for 222 W 5th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,632 sqft
Lot Size	0.038 acres (1,650 sqft)
Owner	Individual Name on File
Last Sale	$307,000 (Sep 2019)
Tax Bill	$5,084 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-08-024.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-08-024.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,632 sqft Finished Area

Exterior

Exterior Material	Combination
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,650 sqft (0.038 acres)
Lot Dimensions	66 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	222 W 5TH ST
City	COVINGTON
State	KY
Zip	41011-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPECKERS LOT 4 25'X 66' 25' NS 5TH ST 250' E JOHNSON
Legal Subdivision	SPECKER JNO B
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	67000

Historic Designation

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

Owner

222 W 5th St is owned and occupied by an individual who bought it in September 2019.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	222 W 5TH ST, COVINGTON, KY 41011-1406
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 28, 2020	Deed of Trust, Mortgage · VA Mortgage RELIANT BK
Sep 3, 2019	Warranty Deed, Transfer · VA Mortgage FIRST ADVANTAGE BK
Feb 15, 2017	Warranty Deed, Transfer · Conventional with PMI SIBCY CLINE MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2019 · Amount on File
Deed Sale	Sep 3, 2019 · Amount on File
Prior Sale	Feb 15, 2017 · Amount on File
Deed Document Number	201909 03 059 00297
Deed Book / Page	6743 / 117
Prior Transfer Date	Aug 15, 2007
Prior Transfer Doc	0005900212
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	222 W 5TH ST, COVINGTON, KY 41011-1406
Document Number	0000000235
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 W 5TH ST COVINGTON KY 410111406, COVINGTON, KY 41011-1406

Mortgage

Document Number	0000000235
Date	Oct 8, 2020
Book Page	00M108/000892
Instrument	235

Lender

Name	RELIANT BK
Type	Bank
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 3, 2019
Property Address	222 W 5TH ST, COVINGTON, KY 41011-1406
Document Number	0000000297
Book / Page	0C6743 / 000117
Instrument Date	Aug 30, 2019
Instrument	297
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 W 5TH ST COVINGTON KY 410111406, COVINGTON, KY 41011-1406

Mortgage

Document Number	300
Date	Sep 3, 2019
Book Page	0C6743/000123
Instrument	300

Lender

Name	FIRST ADVANTAGE BK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 15, 2017
Property Address	222 W 5TH ST, COVINGTON, KY 41011-1406
Document Number	0000000161
Book / Page	0C6097 / 000225
Instrument Date	Feb 7, 2017
Instrument	161
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	SIBCY CLINE TITLE AGENCY LLC, SIBCY CLINE TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 W 5TH ST COVINGTON KY 410111406, COVINGTON, KY 41011-1406

Mortgage

Document Number	162
Date	Feb 15, 2017
Book Page	0C6097/000229
Instrument	162

Lender

Name	SIBCY CLINE MTG SVCS
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 222 W 5th St was $5,084.

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		$383,700 (-) Land $15,000 Building $368,700	$383,700 (-) Land $15,000 Building $368,700
2025	$5,084.00	$383,700 Land $15,000 Building $368,700	$383,700 Land $15,000 Building $368,700
2023	$5,110.00	$383,700 Land $15,000 Building $368,700	$383,700 Land $15,000 Building $368,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 222 W 5th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 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	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

Wildfire risk around 222 W 5th St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 105 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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