Kenton County property record for 2435 Herman St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 772 sqft · built 1923 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $210 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-09-016.00 |
| Primary APN | 055-23-09-016.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 772 sqft Finished Area |
| Year Built | Built 1923 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Lot Area | 2,614 sqft (0.06 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0552309016.00 |
|---|---|
| Street Address | 2435 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 103 CENTRAL COV IMP CO ADDN |
| Legal Subdivision | HUNTINGTON LOT & IMP CO |
| Legal Lot Number | 103 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 65000 |
Source: Kenton County records · APN 055-23-09-016.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2435 HERMAN ST, COVINGTON, KY 41014-1641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2024 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 05, 2017 | Deed of Trust, Mortgage · Conventional with PMI US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 22, 1996 |
| Deed Sale | Oct 22, 1996 |
| Deed Document Number | 0000120173 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2435 HERMAN ST, COVINGTON, KY 41014-1641 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2435 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0005900168 |
|---|---|
| Date | Feb 02, 2024 |
| Book Page | KCM 524/279 |
| Instrument | 24020205900168 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2435 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0000000245 |
| Book / Page | 0C6164 / 000299 |
| Instrument Date | May 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2435 HERMAN ST COVINGTON KY 410141641, COVINGTON, KY 41014-1641 |
| Document Number | 0000000245 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 0C6164/000299 |
| Instrument | 245 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 21, 2027 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $210.00 (-14.98%) Homeowner's exemption | $65,000 (-) Land $5,000 Building $60,000 | $65,000 (-) Land $5,000 Building $60,000 |
| 2023 | $247.00 Homeowner's exemption | $65,000 Land $5,000 Building $60,000 | $65,000 Land $5,000 Building $60,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 465 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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