Kenton County property record for 2314 Center St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 924 sqft · built 1926 |
| Lot Size | 0.095 acres (4,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,175 (May 2018) |
| Tax Bill | $1,590 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Feb 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-01-008.00 |
| Primary APN | 055-23-01-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 924 sqft Finished Area |
| Gross Area | 1,176 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,120 sqft (0.095 acres) |
| Lot Dimensions | 103 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2314 CENTER ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEY HGTS CENTER PT LOT 16 S 40'X 103' OF N 73' |
| Legal Subdivision | HARVEY HEIGHTS |
| Legal Lot Number | 16 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65100 |
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 | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION |
| Feb 12, 2024 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Mar 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| May 10, 2018 | Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2018 · Amount on Record |
| Deed Sale | May 10, 2018 · Amount on Record |
| Prior Sale | Jun 6, 2011 · Amount on Record |
| Deed Document Number | 201805 10 059 00143 |
| Deed Book / Page | 6408 / 233 |
| Prior Transfer Date | Jun 28, 2011 |
| Prior Transfer Doc | 0005900100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 23, 2026 |
| Property Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Document Number | 0000012912 |
| Book / Page | 448 / 881 |
| Instrument Date | May 22, 2026 |
| Instrument | 202612912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Document Number | 0000012912, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 448/881 |
| Instrument | 202612912 |
| Name | WRIGHT-PATT CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 25, 2051 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Document Number | 0005900001 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | KCM 525/792 |
| Instrument | 24021205900001 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005900048 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 347/229 |
| Instrument | 22031105900048 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 10, 2018 |
| Property Address | 2314 CENTER ST, COVINGTON, KY 41014-1638 |
| Document Number | 0000000143 |
| Book / Page | 0C6408 / 000233 |
| Instrument Date | May 9, 2018 |
| Instrument | 143 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.18 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2314 CENTER ST COVINGTON KY 410141638, COVINGTON, KY 41014-1638 |
| Document Number | 145 |
|---|---|
| Date | May 10, 2018 |
| Book Page | 0C6408/000252 |
| Instrument | 145 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 9, 2028 |
| Document Number | 144, |
|---|---|
| Date | May 10, 2018 |
| Book Page | 0C6408/000236 |
| Instrument | 144 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 9, 2048 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $126,100 (+5.08%) Land $10,000 Building $116,100 | $126,100 (+5.08%) Land $10,000 Building $116,100 | |
| 2025 | $1,590.00 (-0.5%) | $120,000 (-) Land $5,000 Building $115,000 | $120,000 (-) Land $5,000 Building $115,000 |
| 2023 | $1,598.00 | $120,000 Land $5,000 Building $115,000 | $120,000 Land $5,000 Building $115,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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