231 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 231 Western Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1985
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on Record
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-30-00-012.00`

Property Details

APN / Parcel Number

Primary APN	`040-30-00-012.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	960 sqft Finished Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	871 sqft (0.02 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	231 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVINGTON HGTS V LOT C
Legal Subdivision	COVINGTON HEIGHTS V
Legal Lot Number	C
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61600

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	Individual Name on Record
Mailing Address	231 WESTERN AVE, COVINGTON, KY 41011-1038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	231 WESTERN AVE, COVINGTON, KY 41011-1038
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 WESTERN AVE, COVINGTON, KY 41011-1038

Mortgage

Document Number	0005900061
Date	Oct 4, 2022
Book Page	411/674
Instrument	22100405900061

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	471 Months
Due	Jan 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$148,000 (-) Land $10,000 Building $138,000	$148,000 (-) Land $10,000 Building $138,000
2025	$1,310.00 (-3.18%) Homeowner's exemption	$148,000 (-) Land $10,000 Building $138,000	$148,000 (-) Land $10,000 Building $138,000
2023	$1,353.00 Homeowner's exemption	$148,000 Land $10,000 Building $138,000	$148,000 Land $10,000 Building $138,000

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 100 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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