Kenton County property record for 305 Hillcrest Ave, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 945 sqft · built 1956 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Oct 2019) |
| Tax Bill | $2,153 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-14-10-016.00 |
| Primary APN | 040-14-10-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 945 sqft Finished Area |
| Gross Area | 1,635 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 305 HILLCREST AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST MILLERS ADDN BLK C LOT 2 70'X 100' |
| Legal Subdivision | HILLCREST MILLERS ADDN |
| Legal Phase | C |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 63800 |
305 Hillcrest Ave is owned and occupied by an individual who bought it in October 2019.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| 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.
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Line of Credit CINFED CU |
| Dec 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 18, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2019 · Amount on File |
| Deed Sale | Oct 18, 2019 · Amount on File |
| Prior Sale | Jun 2, 2010 · Amount on File |
| Deed Document Number | 201910 18 059 00213 |
| Deed Book / Page | 6781 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| Document Number | 0005900169 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | KCM 698/92 |
| Instrument | 25102005900169 |
| Name | CINFED CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0005900102 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 315/909 |
| Instrument | 21122005900102 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900152 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 325/786 |
| Instrument | 22011205900152 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 18, 2019 |
| Property Address | 305 HILLCREST AVE, COVINGTON, KY 41016-1528 |
| Document Number | 0000000213 |
| Book / Page | 006781 / 000259 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 213 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2019 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 HILLCREST AVE COVINGTON KY 410161528, COVINGTON, KY 41016-1528 |
| Document Number | 214 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 006781/000264 |
| Instrument | 214 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2049 |
The 2025 property tax bill for 305 Hillcrest Ave was $2,153.
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 | $162,500 (-) Land $20,000 Building $142,500 | $162,500 (-) Land $20,000 Building $142,500 | |
| 2025 | $2,153.00 | $162,500 Land $15,000 Building $147,500 | $162,500 Land $15,000 Building $147,500 |
| 2023 | $2,164.00 | $162,500 Land $15,000 Building $147,500 | $162,500 Land $15,000 Building $147,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Hillcrest Ave 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 risk around 305 Hillcrest Ave 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 | Direct burnable vegetation |
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 471 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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