243 W 8th St, Covington, KY 41011 Property Records

Kenton County property record for 243 W 8th St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,631 sqft
Lot Size	0.063 acres (2,730 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Oct 2020)
Tax Bill	$3,635 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-12-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-12-005.00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,631 sqft Finished Area
Gross Area	2,716 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,730 sqft (0.063 acres)
Lot Dimensions	105 ft deep x 26 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	243 W 8TH ST
City	COVINGTON
State	KY
Zip	41011-1365
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	POWELL O R ESTATE PLAT 3 PT LOTS 11-12 26'X 105'
Legal Subdivision	POWELL O R ESTATE
Legal Phase	3
Legal Lot Number	11,12
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1016
Census Tract	60300

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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

Owner

243 W 8th St, a duplex, is owned and occupied by two individuals who acquired it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	243 W 8TH ST, COVINGTON, KY 41011-1365
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage DAVID S FIRLEY JR ETUX
Mar 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 3, 2023	Quit Claim Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY
Oct 8, 2020	Warranty Deed, Transfer · Line of Credit GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on File
Deed Sale	Oct 8, 2020 · Amount on File
Prior Sale	May 23, 2006 · Amount on File
Deed Document Number	20205900264
Deed Book / Page	47 / 953
Last Transfer Date	Feb 25, 2023
Transfer Doc	0005900258
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	243 W 8TH ST, COVINGTON, KY 41011-1365
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0005900002
Date	Mar 15, 2023
Book Page	KC 217/941
Instrument	23031505900002

Lender

Name	DAVID S FIRLEY JR ETUX
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	243 W 8TH ST, COVINGTON, KY 41011-1365
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 CURTIS AVE, BURLINGTON, VT 05408-5703

Mortgage

Document Number	0005900066
Date	Mar 6, 2023
Book Page	KCM 444/316
Instrument	23030605900066

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Mar 3, 2023
Property Address	243 W 8TH ST, COVINGTON, KY 41011-1365
Document Number	0005900258
Book / Page	KC 216 / 150
Instrument Date	Feb 25, 2023
Instrument	23030305900258
Transaction Type	Transfer
Record Updated	Feb 12, 2024
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7365 E KEMPER RDB, CINCINNATI, OH 45249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 8, 2020
Property Address	243 W 8TH ST, COVINGTON, KY 41011-1365
Document Number	0000000264
Book / Page	000047 / 000953
Instrument Date	Sep 4, 2020
Instrument	264
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	243 W 8TH ST COVINGTON KY 410111365, COVINGTON, KY 41011-1365

Mortgage

Document Number	M1090048
Date	Oct 8, 2020
Book Page	00M109/000048

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	266,
Date	Oct 8, 2020
Book Page	000M47/000956
Instrument	266

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 243 W 8th St was $3,635.

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		$274,400 (-) Land $10,000 Building $264,400	$274,400 (-) Land $10,000 Building $264,400
2025	$3,635.00	$274,400 Land $10,000 Building $264,400	$274,400 Land $10,000 Building $264,400
2023	$3,655.00	$274,400 Land $10,000 Building $264,400	$274,400 Land $10,000 Building $264,400

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

Flood

FEMA maps place 243 W 8th St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 243 W 8th 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 656 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.

Nearby Properties on W 8th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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