Kenton County property record for 2440 Herman St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 619 sqft · built 1922 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $25,000 (Jul 2017) |
| Tax Bill | $1,270 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-11-025.00 |
| Primary APN | 055-23-11-025.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 619 sqft Finished Area |
| Gross Area | 709 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,614 sqft (0.06 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2440 HERMAN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTINGTON LOT & IMP CO LOT 44 CENTRAL COV IMP CO ADDN |
| Legal Subdivision | HUNTINGTON LOT & IMP CO |
| Legal Lot Number | 44 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2440 HERMAN ST, COVINGTON, KY 41014-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Jul 12, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2017 · Amount on Record |
| Deed Sale | Jul 12, 2017 · Amount on Record |
| Prior Sale | Apr 15, 2009 · Amount on Record |
| Deed Document Number | 201707 12 059 00287 |
| Deed Book / Page | 6199 / 314 |
| Prior Transfer Date | Mar 15, 2011 |
| Prior Transfer Doc | 0005900216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2440 HERMAN ST, COVINGTON, KY 41014-1642 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 22 W 36TH ST, COVINGTON, KY 41015-1412 |
| Document Number | 0005900249 |
|---|---|
| Date | Mar 8, 2023 |
| Book Page | KCM 445/237 |
| Instrument | 23030805900249 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 12, 2017 |
| Property Address | 2440 HERMAN ST, COVINGTON, KY 41014-1642 |
| Document Number | 0000000287 |
| Book / Page | 006199 / 000314 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 287 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $25.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 82 INDEP ST RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
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 | $95,900 (-) Land $10,000 Building $85,900 | $95,900 (-) Land $10,000 Building $85,900 | |
| 2025 | $1,270.00 (+112.02%) | $95,900 (+113.11%) Land $5,000 Building $90,900 | $95,900 (+113.11%) Land $5,000 Building $90,900 |
| 2023 | $599.00 | $45,000 Land $5,000 Building $40,000 | $45,000 Land $5,000 Building $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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