223 Sterrett Ave, Covington, KY 41014 Property Records

Kenton County property record for 223 Sterrett Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,282 sqft · built 1902
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Oct 2018)
Tax Bill	$3,378 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-41-05-022.00`

Property Details

APN / Parcel Number

Primary APN	`055-41-05-022.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,282 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	276 ft deep x 37 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	223 STERRETT AVE
City	COVINGTON
State	KY
Zip	41014-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE PT LOT 112
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	112
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	61100

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	2 Individual Names on Record
Mailing Address	223 STERRETT AVE, COVINGTON, KY 41014-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP
Oct 11, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HM MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2018 · Amount on Record
Deed Sale	Oct 11, 2018 · Amount on Record
Prior Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	201810 11 059 00153
Deed Book / Page	6521 / 203
Prior Transfer Date	Jan 30, 2014
Prior Transfer Doc	0005900085
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	223 STERRETT AVE, COVINGTON, KY 41014-1244
Document Number	0000000068
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	223 STERRETT AVE COVINGTON KY 410141244, COVINGTON, KY 41014-1244

Mortgage

Document Number	0000000068
Date	Mar 26, 2020
Book Page	000025/000427
Instrument	68

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Mar 25, 2045

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 11, 2018
Property Address	223 STERRETT AVE, COVINGTON, KY 41014-1244
Document Number	0000000153
Book / Page	0C6521 / 000203
Instrument Date	Oct 9, 2018
Instrument	153
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	223 STERRETT AVE COVINGTON KY 410141244, COVINGTON, KY 41014-1244

Mortgage

Document Number	154
Date	Oct 11, 2018
Book Page	0C6521/000206
Instrument	154

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

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		$255,000 (-) Land $10,000 Building $245,000	$255,000 (-) Land $10,000 Building $245,000
2025	$3,378.00 (-0.53%)	$255,000 (-) Land $5,000 Building $250,000	$255,000 (-) Land $5,000 Building $250,000
2023	$3,396.00	$255,000 Land $5,000 Building $250,000	$255,000 Land $5,000 Building $250,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1983 · tidal / storm surge

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 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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