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

Kenton County property record for 231 E 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,418 sqft · built 1886
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,900 (Sep 2025)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-23-19-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-19-005.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,418 sqft Finished Area
Gross Area	2,799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	231 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 223-224 30'X 100'
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

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	231 E 7TH ST, COVINGTON, KY 41011-2538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Mar 7, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Apr 6, 2020 · Amount on Record
Deed Document Number	2025214
Deed Book / Page	361 / 595
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 6, 2020
Property Address	231 E 7TH ST, COVINGTON, KY 41011-2538
Document Number	0000000118
Book / Page	000015 / 000684
Instrument Date	Mar 31, 2020
Instrument	118
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
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	231 E 7TH ST COVINGTON KY 410112538, COVINGTON, KY 41011-2538

Mortgage

Document Number	119
Date	Apr 6, 2020
Book Page	000028/000930
Instrument	119

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	231 E 7TH ST, COVINGTON, KY 41011-2538
Document Number	0000000150
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 E 7TH ST COVINGTON KY 410112538, COVINGTON, KY 41011-2538

Mortgage

Document Number	0000000150
Date	Mar 25, 2019
Book Page	0C6624/000153
Instrument	150

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 24, 2024

Interest

Rate Type	Adjustable Rate

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		$489,900 (+50.74%) Land $15,000 Building $474,900	$489,900 (+50.74%) Land $15,000 Building $474,900
2025	$4,306.00 (-0.53%)	$325,000 (-) Land $15,000 Building $310,000	$325,000 (-) Land $15,000 Building $310,000
2023	$4,329.00	$325,000 Land $15,000 Building $310,000	$325,000 Land $15,000 Building $310,000

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

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

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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