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227 E 20th St, Covington, KY 41014 Property Records

Kenton County property record for 227 E 20th St, Covington, KY 41014 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1904
Square Footage1,820 sqft Finished Area
Lot Size2,865 sqft (0.065 acres)
OccupancyOwner Occupied
Last Sale$174,900 (2020)
Tax Bill$2,317.00 (2025)

Property Details

APN / Parcel Number

Primary APN055-32-04-041.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,820 sqft Finished Area
Gross Area2,002 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1904
Exterior MaterialStone Exterior
Foundation TypeBlock Foundation
Roof MaterialSlate Roof
Lot Area2,865 sqft (0.065 acres)
Depth X Width75 ft x 38.2 ft Depth x Width
Parking Spaces1 Parking Spaces

Utilities and HVAC

Cooling SystemNone Cooling
Heating SystemForced Air Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number0553204041.00
Street Address227 E 20TH ST
CityCOVINGTON
StateKY
Zip41014-1577
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description38 1,6X75FT S W COR 20TH & GARRARD ST
Legal SubdivisionSOUTHGATE
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2020
Census Tract60900

Owner

Source: Kenton County records · APN 055-32-04-041.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address227 E 20TH ST, COVINGTON, KY 41014-1577
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERICAN MTG SVC
Sep 23, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
AMERICAN MTG SVC
Jun 04, 2020Loan Modification, Mortgage
ATTORNEY ONLY
Oct 07, 2019Deed of Trust, Construction Loan · Line of Credit
HERITAGE BK
Aug 15, 2019Grant Deed, Transfer
SOJOURNERS TITLE AGENCY
Oct 13, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 23, 2020 · Amount on Record
Deed SaleSep 23, 2020 · Amount on Record
Prior SaleAug 15, 2019 · Amount on Record
Deed Doc Number0000045126
Deed Book / Page45 / 126
Record RefreshedJun 08, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000161
Instrument DateSep 11, 2020
Transaction TypeMortgage
Record UpdatedOct 09, 2020
Title CompanySPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address227 E 20TH ST COVINGTON KY 410141577, COVINGTON, KY 41014-1577

Mortgage

Document Number0000000161
DateSep 23, 2020
Book Page00M101/000001
Instrument161
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 22, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 23, 2020
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000160
Book / Page000045 / 000126
Instrument DateSep 11, 2020
Instrument160
Transaction TypeTransfer
Record UpdatedOct 28, 2020
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$175.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address227 E 20TH ST COVINGTON KY 410141577, COVINGTON, KY 41014-1577

Mortgage

Document Number161
DateSep 23, 2020
Book Page00M101/000001
Instrument161
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 22, 2050

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKENTON KY
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000176
Instrument DateJun 04, 2020
Transaction TypeMortgage
Record UpdatedAug 14, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address11110 PERSIMMON GROVE PIKE ALEXANDRIA KY 41001, ALEXANDRIA, KY 41001

October 2019: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionKENTON KY
Recording DateOct 07, 2019
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000252
Book / Page0C6771 / 000301
Instrument DateSep 19, 2019
Instrument252
Transaction TypeConstruction Loan
Record UpdatedAug 14, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address11110 PERSIMMON GROVE PIKE ALEXANDRIA KY 41001, ALEXANDRIA, KY 41001

Mortgage

Document Number0000000252
DateOct 07, 2019
Book Page0C6771/000301
Instrument252
Lender
NameHERITAGE BK
TypeBank
AddressUNION, KY 41091
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueOct 06, 2020
Interest
Rate TypeAdjustable Rate

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateAug 15, 2019
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000181
Book / Page0C6731 / 000122
Instrument DateAug 09, 2019
Instrument181
Transaction TypeTransfer
Record UpdatedAug 27, 2019
Title CompanySOJOURNERS TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$38.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address11110 PERSIMMON GROVE PIKE CALIFORNIA KY 410078421, CALIFORNIA, KY 41007-8421

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateOct 13, 2017
Property Address227 E 20TH ST, COVINGTON, KY 41014-1577
Document Number0000000098
Book / Page0C6271 / 000160
Instrument DateAug 23, 2017
Instrument98
Transaction TypeTransfer
Record UpdatedNov 01, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$77.00
Amount AccuracyConfirmed
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address227 E 20TH ST COVINGTON KY 410141577, COVINGTON, KY 41014-1577

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,317.00 (-0.52%)$174,900 (-) Land $5,000 Building $169,900$174,900 (-) Land $5,000 Building $169,900
2023$2,329.00$174,900 Land $5,000 Building $169,900$174,900 Land $5,000 Building $169,900

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