232 W 5th St, Covington, KY 41011 Property Records

Kenton County property record for 232 W 5th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 720 sqft
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$280,000 (Aug 2021)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-08-029.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-08-029.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	720 sqft Finished Area
Gross Area	1,784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Foundation Type	Stone
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	70 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 W 5TH ST
City	COVINGTON
State	KY
Zip	41011-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK B PT LOT 6
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	B
Legal Block	B
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

232 W 5th St is owned by a company that bought it in August 2021.

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

Owner of Record	Company Name on File
Mailing Address	2534 KEARNEY CT, FT MITCHELL, KY 41017-2180
Owner Type	Company
Vesting	Limited Liability Partnership

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	Aug 9, 2021 · Amount on File
Deed Sale	Aug 9, 2021 · Amount on File
Prior Sale	Apr 29, 2014 · Amount on File
Deed Document Number	20215900077
Deed Book / Page	109 / 295
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2021
Property Address	232 W 5TH ST, COVINGTON, KY 41011-1406
Document Number	0005900077
Book / Page	109 / 295
Instrument Date	Jul 30, 2021
Instrument	21080905900077
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 SKYVIEW CT, 325, LUDLOW, KY 41016-1706

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W 5TH ST, COVINGTON, KY 41011-1406

Mortgage

Document Number	0005900078
Date	Aug 9, 2021
Instrument	21080905900078

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 232 W 5th St was $3,710.

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		$280,000 (-) Land $15,000 Building $265,000	$280,000 (-) Land $15,000 Building $265,000
2025	$3,710.00	$280,000 Land $15,000 Building $265,000	$280,000 Land $15,000 Building $265,000
2023	$3,729.00	$280,000 Land $15,000 Building $265,000	$280,000 Land $15,000 Building $265,000

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

Flood

FEMA maps place 232 W 5th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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 Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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 232 W 5th St is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures