312 W 20th St, Covington, KY 41014 Property Records

Kenton County property record for 312 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,472 sqft · built 1875
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Dec 2019)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Nov 2017 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-21-017.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-21-017.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,472 sqft Finished Area
Gross Area	1,532 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	312 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOT 88
Legal Subdivision	HOWARD & CO
Legal Lot Number	88
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	312 W 20TH ST, COVINGTON, KY 41014-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L
Nov 13, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Oct 27, 2017	Warranty Deed, Transfer TERRY MONNIE TITLE COMPANY
Apr 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2019 · Amount on Record
Deed Sale	Dec 13, 2019 · Amount on Record
Prior Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	201912 13 059 00288
Deed Book / Page	6829 / 106
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2019
Property Address	312 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000288
Book / Page	0C6829 / 000106
Instrument Date	Dec 6, 2019
Instrument	288
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W 20TH ST COVINGTON KY 410141110, COVINGTON, KY 41014-1110

Mortgage

Document Number	289
Date	Dec 13, 2019
Book Page	0C6829/000109
Instrument	289

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2017
Property Address	312 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000262
Book / Page	0C6293 / 000145
Instrument Date	Nov 10, 2017
Instrument	262
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$41.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W 20TH ST COVINGTON KY 410141110, COVINGTON, KY 41014-1110

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2017
Property Address	312 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000145
Book / Page	0C6281 / 000119
Instrument Date	Oct 24, 2017
Instrument	145
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	TERRY MONNIE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$23.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10850 WILLFLEET DR CINCINNATI OH 452412831, CINCINNATI, OH 45241-2831

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 3, 2017
Property Address	312 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000022
Book / Page	0C6128 / 000045
Instrument Date	Mar 31, 2017
Instrument	22
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W 20TH ST COVINGTON KY 410141110, COVINGTON, KY 41014-1110

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		$161,200 (-) Land $10,000 Building $151,200	$161,200 (-) Land $10,000 Building $151,200
2025	$2,135.00 (-0.56%)	$161,200 (-) Land $5,000 Building $156,200	$161,200 (-) Land $5,000 Building $156,200
2023	$2,147.00	$161,200 Land $5,000 Building $156,200	$161,200 Land $5,000 Building $156,200

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

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

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 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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