2304 Center St, Covington, KY 41014 Property Records

Kenton County property record for 2304 Center St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,240 sqft · built 1927
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Dec 2020)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-23-01-012.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-01-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,240 sqft Finished Area
Gross Area	1,480 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	106 ft deep x 44 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2304 CENTER ST
City	COVINGTON
State	KY
Zip	41014-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEY HGTS LOT 2 DIV OF 15 N 40' W 86' S 44 1/2' NE 106 1/2'
Legal Subdivision	HARVEY HEIGHTS
Legal Lot Number	15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
Census Tract	65100

Owner

2304 Center St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2304 CENTER ST, COVINGTON, KY 41014-1638
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	Jul 7, 2004 · Amount on File
Deed Document Number	20205900140
Deed Book / Page	58 / 743
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 2, 2020
Property Address	2304 CENTER ST, COVINGTON, KY 41014-1638
Document Number	0000000140
Book / Page	000058 / 000743
Instrument Date	Nov 23, 2020
Instrument	140
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2304 CENTER ST COVINGTON KY 410141638, COVINGTON, KY 41014-1638

Mortgage

Document Number	141
Date	Dec 2, 2020
Book Page	00M134/000201
Instrument	141

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	BATAVIA, OH 45103

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2304 Center St was $2,053.

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		$155,000 (-) Land $10,000 Building $145,000	$155,000 (-) Land $10,000 Building $145,000
2025	$2,053.00	$155,000 Land $5,000 Building $150,000	$155,000 Land $5,000 Building $150,000
2023	$2,064.00	$155,000 Land $5,000 Building $150,000	$155,000 Land $5,000 Building $150,000

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

Flood

FEMA maps place 2304 Center St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1993 · rainfall accumulation

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 2304 Center 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 99.1% of the US · lower than 99.2% 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 465 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	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20