310 E 20th St, Covington, KY 41014 Property Records

Kenton County property record for 310 E 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1889
Lot Size	0.045 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Feb 2023)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Nov 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`055-32-11-015.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-11-015.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,408 sqft Finished Area
Gross Area	1,534 sqft

Exterior

Year Built	Built 1889
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.045 acres)
Lot Dimensions	80 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0553211015.00
Street Address	310 E 20TH ST
City	COVINGTON
State	KY
Zip	41014-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOOS & FLORER PT LOTS 56-57-58-59 25'X 80' NS 20TH 100' E GARRARD
Legal Subdivision	LOOS & FLORER
Legal Phase	9
Legal Lot Number	56,57
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1017
Census Tract	61000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of November 27, 2025

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	310 E 20TH ST, COVINGTON, KY 41014-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 19, 2021	Commissioner's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2023 · Amount on Record
Deed Sale	Feb 20, 2023 · Amount on Record
Prior Sale	Nov 19, 2021 · Amount on Record
Deed Document Number	0000214138
Deed Book / Page	214 / 138
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 20, 2023
Property Address	310 E 20TH ST, COVINGTON, KY 41014-1506
Document Number	0005900224
Book / Page	KC 214 / 138
Map Reference	PL 172
Instrument Date	Feb 17, 2023
Instrument	23022005900224
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1098 GALVIN ST, ELSMERE, KY 41018-2549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 E 20TH ST, COVINGTON, KY 41014-1506

Mortgage

Document Number	0005900225
Date	Feb 20, 2023
Book Page	KCM 441/234
Instrument	23022005900225

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

November 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 19, 2021
Property Address	310 E 20TH ST, COVINGTON, KY 41014-1506
Document Number	0005900149
Book / Page	132 / 257
Map Reference	PL 172
Instrument Date	Aug 16, 2021
Instrument	21111905900149
Transaction Type	Foreclosure
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MADISON AVE # AVE8TH, 230, COVINGTON, KY 41011-1539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 GALVIN ST, ELSMERE, KY 41018-2549

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,517.00 (+431.01%)	$190,000 (+433.71%) Land $5,000 Building $185,000	$190,000 (+433.71%) Land $5,000 Building $185,000
2023	$474.00	$35,600 Land $5,000 Building $30,600	$35,600 Land $5,000 Building $30,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	3 (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	Not rated no burnable land within 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 1,077 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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