225 E 7th St, Covington, KY 41011 Property Records

Kenton County property record for 225 E 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,516 sqft · built 1886
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$152,200 (Oct 2018)
Tax Bill	$2,797 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-19-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-19-003.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,516 sqft Finished Area
Gross Area	2,544 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	100 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	225 E 7TH ST
City	COVINGTON
State	KY
Zip	41011-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOOTES ADDN PT LOTS 223-24 21.75'X 100' & 20.5'X 3'
Legal Subdivision	FOOTES ADDN
Legal Lot Number	223,22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3012
Census Tract	67000

Historic Designation

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

Historic District	Within the Licking Riverside Historic District listed 1975 · 50 contributing resources · NRIS 75000787

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

225 E 7th St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	225 E 7TH ST, COVINGTON, KY 41011-2538
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
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 18, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 4, 2018	Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK
Oct 4, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Deed Document Number	201810 04 059 00034
Deed Book / Page	6516 / 172
Prior Transfer Date	Apr 19, 2005
Prior Transfer Doc	0005900102
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	225 E 7TH ST, COVINGTON, KY 41011-2538
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E 7TH ST, PARK HILLS, KY 41011-2538

Mortgage

Document Number	0005900163
Date	Jul 15, 2022
Book Page	389/447
Instrument	22071505900163

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	225 E 7TH ST, COVINGTON, KY 41011-2538
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E 7TH ST, COVINGTON, KY 41011-2538

Mortgage

Document Number	0005900268
Date	Feb 18, 2021
Book Page	169/912
Instrument	21021805900268

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2018
Property Address	225 E 7TH ST, COVINGTON, KY 41011-2538
Document Number	0000000034
Book / Page	0C6516 / 000172
Instrument Date	Sep 28, 2018
Instrument	34
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	HOMESTEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.20
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	225 E 7TH ST COVINGTON KY 410112538, COVINGTON, KY 41011-2538

Mortgage

Document Number	36
Date	Oct 4, 2018
Book Page	0C6516/000177
Instrument	36

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2018
Property Address	225 E 7TH ST, COVINGTON, KY 41011-2538
Document Number	0000000032
Book / Page	0C6516 / 000170
Instrument Date	Sep 27, 2018
Instrument	32
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E 7TH ST COVINGTON KY 410112538, COVINGTON, KY 41011-2538

Tax Assessment & Valuation

The 2025 property tax bill for 225 E 7th St was $2,797.

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		$324,400 (+53.67%) Land $15,000 Building $309,400	$324,400 (+53.67%) Land $15,000 Building $309,400
2025	$2,797.00	$211,100 Land $15,000 Building $196,100	$211,100 Land $15,000 Building $196,100
2023	$2,811.00	$211,100 Land $15,000 Building $196,100	$211,100 Land $15,000 Building $196,100

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

Flood

FEMA maps place 225 E 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 225 E 7th St is low, with less than 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 98% of the US · lower than 98.2% 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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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