Kenton County property record for 2449 Herman St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 868 sqft · built 1920 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Mar 2009) |
| Tax Bill | $1,060 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-09-020.00 |
| Primary APN | 055-23-09-020.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 868 sqft Finished Area |
| Gross Area | 1,323 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2449 HERMAN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTINGTON LOT & IMP CO LOTS 110-111 CENTRAL COV IMP CO ADDN |
| Legal Subdivision | HUNTINGTON LOT & IMP CO |
| Legal Lot Number | 110-111 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2449 HERMAN ST, COVINGTON, KY 41014-1641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jun 17, 2017 | Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2009 · Amount on Record |
| Deed Sale | Mar 26, 2009 · Amount on Record |
| Deed Document Number | 200903 26 059 00078 |
| Deed Book / Page | 3963 / 288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2449 HERMAN ST, COVINGTON, KY 41014-1641 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2449 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0005900002 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 217/501 |
| Instrument | 21052005900002 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jun 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2449 HERMAN ST, COVINGTON, KY 41014-1641 |
| Document Number | 0000000128 |
| Book / Page | 0C6202 / 000199 |
| Instrument Date | Jun 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2449 HERMAN ST COVINGTON KY 410141641, COVINGTON, KY 41014-1641 |
| Document Number | 0000000128 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 0C6202/000199 |
| Instrument | 128 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2047 |
| Rate | 3.37% |
|---|
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 | $127,600 (+59.5%) Land $10,000 Building $117,600 | $127,600 (+59.5%) Land $10,000 Building $117,600 | |
| 2025 | $1,060.00 (-0.47%) | $80,000 (-) Land $5,000 Building $75,000 | $80,000 (-) Land $5,000 Building $75,000 |
| 2023 | $1,065.00 | $80,000 Land $5,000 Building $75,000 | $80,000 Land $5,000 Building $75,000 |
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 94% of the US · lower than 95% 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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