Kenton County property record for 2405 Herman St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 736 sqft · built 1919 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Company Name on Record |
| Last Sale | $600,000 (Mar 2026) |
| Tax Bill | $596 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-09-004.00 |
| Primary APN | 055-23-09-004.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 736 sqft Finished Area |
| Gross Area | 966 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Lot Area | 2,614 sqft (0.06 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2405 HERMAN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTINGTON LOT & IMP CO LOT 88 CENTRAL COV IMP CO ADDN |
| Legal Subdivision | HUNTINGTON LOT & IMP CO |
| Legal Lot Number | 88 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 65000 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2170 TUSCANYVIEW DR, COVINGTON, KY 41017-8158 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Commercial Mortgage MWC WB SPV LLC |
| Oct 9, 2020 | Deed of Trust, Mortgage TRADITIONAL BK |
| Jun 1, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Feb 22, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on Record |
| Deed Sale | Mar 27, 2026 · Amount on Record |
| Prior Sale | Jun 1, 2020 · Amount on Record |
| Deed Document Number | 202603276241 |
| Deed Book / Page | 406 / 688 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2405 HERMAN ST, COVINGTON, KY 41014-1641 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102 |
| Document Number | 0000006242 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 406/695 |
| Instrument | 26059000006242 |
| Name | MWC WB SPV LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | OWINGS MILLS, MD 21117 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2405 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0000000105 |
| Instrument Date | Oct 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4329 CRESCENT SPRINGS CT LEXINGTON KY 405154787, LEXINGTON, KY 40515-4787 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000105 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 00M112/000192 |
| Instrument | 105 |
| Name | TRADITIONAL BK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40502 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 14, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 1, 2020 |
| Property Address | 2405 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0000000164 |
| Book / Page | 000023 / 000969 |
| Instrument Date | Apr 14, 2020 |
| Instrument | 164 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $25.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 132 SAGART LN NICHOLASVILLE KY 403569735, NICHOLASVILLE, KY 40356-9735 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 22, 2019 |
| Property Address | 2405 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0000000159 |
| Book / Page | 0C6605 / 000076 |
| Instrument Date | Feb 4, 2019 |
| Instrument | 159 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $29.33 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203 |
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 | $95,200 (+111.56%) Land $10,000 Building $85,200 | $95,200 (+111.56%) Land $10,000 Building $85,200 | |
| 2025 | $596.00 (-0.5%) | $45,000 (-) Land $5,000 Building $40,000 | $45,000 (-) Land $5,000 Building $40,000 |
| 2023 | $599.00 | $45,000 Land $5,000 Building $40,000 | $45,000 Land $5,000 Building $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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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