236 Kentucky Ave, Covington, KY 41011 Property Records

Kenton County property record for 236 Kentucky Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,159 sqft
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$354,500 (Mar 2022)
Tax Bill	$4,823 (2025)
Deeds & Mortgages	Mar 2022 Sale Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-09-006.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-09-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,159 sqft Finished Area
Gross Area	2,351 sqft

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 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	236 KENTUCKY AVE
City	COVINGTON
State	KY
Zip	41011-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK 22 1/2 LOT 3 & PT LOT 22 25'X 100' IRREG
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	221,2
Legal Block	22
Legal Lot Number	3,22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2022
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

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	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Special Warranty Deed, Transfer
Mar 4, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 1, 2020	Warranty Deed, Transfer NOT AVAILABLE
Aug 18, 2017	Warranty Deed, Transfer AMERICAN HOMELAND TITLE
Aug 18, 2017	Warranty Deed, Transfer · Conventional with PMI RIVERHILLS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	2022124
Deed Book / Page	151 / 817
Record Updated	Oct 29, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 7, 2022
Property Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Document Number	0005900124
Book / Page	151 / 817
Map Reference	PL 117
Instrument Date	Feb 28, 2022
Instrument	22030705900124
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 KENTUCKY AVE, 236, COVINGTON, KY 41011-1459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Mar 4, 2022
Property Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Document Number	0005900185
Book / Page	151 / 614
Map Reference	PL 117
Instrument Date	Feb 12, 2022
Instrument	22030405900185
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 KENTUCKY AVE, 236, COVINGTON, KY 41011-1459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900172
Date	Mar 7, 2022
Book Page	345/113
Instrument	22030705900172

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 1, 2020
Property Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Document Number	0000000001
Book / Page	000058 / 000169
Instrument Date	Dec 16, 2019
Instrument	1
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 KENTUCKY AVE COVINGTON KY 410111459, COVINGTON, KY 41011-1459

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2017
Property Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Document Number	0000000182
Book / Page	006228 / 000091
Instrument Date	Aug 10, 2017
Instrument	182
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	AMERICAN HOMELAND TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301
Investor	Possibly a Property Investor

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2017
Property Address	236 KENTUCKY AVE, COVINGTON, KY 41011-1459
Document Number	0000000183
Book / Page	006228 / 000095
Instrument Date	Aug 10, 2017
Instrument	183
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	236 KENTUCKY AVE COVINGTON KY 410111459, COVINGTON, KY 41011-1459

Mortgage

Document Number	184
Date	Aug 18, 2017
Book Page	0C6228/000099
Instrument	184

Lender

Name	RIVERHILLS BK NA
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2047

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		$364,000 (-) Land $15,000 Building $349,000	$364,000 (-) Land $15,000 Building $349,000
2025	$4,823.00 (-0.52%)	$364,000 (-) Land $10,000 Building $354,000	$364,000 (-) Land $10,000 Building $354,000
2023	$4,848.00	$364,000 Land $10,000 Building $354,000	$364,000 Land $10,000 Building $354,000

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 · 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

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 607 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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