Kenton County property record for 305 Orchard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,340 sqft |
| Lot Size | 0.047 acres (2,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2023) |
| Tax Bill | $3,047 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Aug 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-18-012.00 |
| Primary APN | 054-22-18-012.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Finished Area |
| Exterior Material | Brick |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 2,050 sqft (0.047 acres) |
| Lot Dimensions | 82 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 ORCHARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDDLES 2ND LOT 2 25'X 82' |
| Legal Subdivision | RIDDLES |
| Legal Phase | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 60700 |
Source: Kenton County records · APN 054-22-18-012.00
Assessment roll updated December 2, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 305 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Aug 08, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on Record |
| Deed Sale | Mar 14, 2023 · Amount on Record |
| Deed Document Number | 202389 |
| Deed Book / Page | 217 / 745 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 305 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 208 8TH AVE 101, 101, DAYTON, KY 41074-1450 |
| Document Number | 0005900090 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | KCM 446/318 |
| Instrument | 23031405900090 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 08, 2017 |
| Property Address | 305 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Document Number | 0000000247 |
| Book / Page | 006221 / 000029 |
| Instrument Date | Aug 04, 2017 |
| Instrument | 247 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $24.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 305 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,047.00 | $230,000 (+365.59%) Land $5,000 Building $225,000 | $230,000 (+365.59%) Land $5,000 Building $225,000 |
| 2023 | $49,400 (-) Land $5,000 Building $44,400 | $49,400 (-) Land $5,000 Building $44,400 | |
| 2022 | Additional exemption filed | $49,400 Land $5,000 Building $44,400 | $49,400 Land $5,000 Building $44,400 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Lee-Holman Historic District listed 1996 · 152 contributing resources · NRIS 96000798 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · 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 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 720 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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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