309 W 16th St, Covington, KY 41014 Property Records

Kenton County property record for 309 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,048 sqft · built 1910
Lot Size	0.068 acres (3,000 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Aug 2020)
Tax Bill	$1,681 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-11-18-007.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-18-007.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,048 sqft Finished Area
Gross Area	3,279 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.068 acres)
Lot Dimensions	120 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	309 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1076
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNEDY OF SOUTHGATE LAND LOT 11 25'X 120' IRREG
Legal Subdivision	KENNEDY OF SOUTHGATE LAND
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4002
Census Tract	65000

Owner

Source: Kenton County records, as of October 21, 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	116 ROGER LN, FLORENCE, KY 41042-2650
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG SVC
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Dec 20, 2006 · Amount on Record
Deed Document Number	20205900008
Deed Book / Page	35 / 85
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	0005900008
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	309 W 16TH ST, COVINGTON, KY 41014-1076
Document Number	0000000009
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W 16TH ST COVINGTON KY 410141076, COVINGTON, KY 41014-1076

Mortgage

Document Number	0000000009
Date	Aug 4, 2020
Book Page	000077/000817
Instrument	9

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 4, 2020
Property Address	309 W 16TH ST, COVINGTON, KY 41014-1076
Document Number	0000000008
Book / Page	000035 / 000085
Instrument Date	Jul 31, 2020
Instrument	8
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 ROGER LN FLORENCE KY 410422650, FLORENCE, KY 41042-2650

Mortgage

Document Number	9
Date	Aug 4, 2020
Book Page	000077/000817
Instrument	9

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$202,700 (+59.73%) Land $10,000 Building $192,700	$202,700 (+59.73%) Land $10,000 Building $192,700
2025	$1,681.00 (-0.53%)	$126,900 (-) Land $5,000 Building $121,900	$126,900 (-) Land $5,000 Building $121,900
2023	$1,690.00	$126,900 Land $5,000 Building $121,900	$126,900 Land $5,000 Building $121,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 956 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

May also be available: AT&T, T-Mobile, Verizon.

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