312 W 21st St, Covington, KY 41014 Property Records

Kenton County property record for 312 W 21st St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,058 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$169,800 (Feb 2023)
Tax Bill	$2,249 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-04-028.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-04-028.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,058 sqft Finished Area
Gross Area	1,121 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	5,227 sqft (0.12 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 21ST ST
City	COVINGTON
State	KY
Zip	41014-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD S PT LOT 64
Legal Subdivision	HOWARD & CO
Legal Lot Number	64
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
Census Tract	65000

Owner

312 W 21st St is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	312 W 21ST ST, COVINGTON, KY 41014-1114
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC
Sep 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MERCANTILE BANK
Oct 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	Oct 21, 2020 · Amount on File
Deed Document Number	202338
Deed Book / Page	213 / 876
Prior Transfer Date	Sep 9, 2022
Prior Transfer Doc	0005900079
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	312 W 21ST ST, COVINGTON, KY 41014-1114
Transaction Type	Mortgage
Record Updated	Feb 28, 2023
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1906 OAKLAND AVE, COVINGTON, KY 41014-1449

Mortgage

Document Number	0005900039
Date	Feb 17, 2023
Book Page	KCM 440/865
Instrument	23021705900039

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

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

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Sep 20, 2022
Property Address	312 W 21ST ST, COVINGTON, KY 41014-1114
Document Number	0005900079
Book / Page	190 / 851
Instrument Date	Sep 9, 2022
Instrument	22092005900079
Transaction Type	Transfer
Record Updated	Sep 30, 2022
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	547 MCALPIN AVE, 547, CINCINNATI, OH 45220-1533

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	547 MCALPIN AVE, CINCINNATI, OH 45220-1533

Mortgage

Document Number	0005900080
Date	Sep 20, 2022
Instrument	22092005900080

Lender

Name	MERCANTILE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2020
Property Address	312 W 21ST ST, COVINGTON, KY 41014-1114
Document Number	0000000200
Book / Page	000050 / 000778
Instrument Date	Sep 14, 2020
Instrument	200
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$63.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 MCALPIN AVE CINCINNATI OH 452201533, CINCINNATI, OH 45220-1533

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 24, 2020
Property Address	312 W 21ST ST, COVINGTON, KY 41014-1114
Document Number	0000000187
Book / Page	000045 / 000518
Instrument Date	Aug 31, 2020
Instrument	187
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12333 SOWDEN RD #B HOUSTON TX 770802059, B, HOUSTON, TX 77080-2059
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 312 W 21st St was $2,249.

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		$169,800 (-) Land $10,000 Building $159,800	$169,800 (-) Land $10,000 Building $159,800
2025	$2,249.00	$169,800 Land $5,000 Building $164,800	$169,800 Land $5,000 Building $164,800
2023	$932.00	$70,000 Land $5,000 Building $65,000	$70,000 Land $5,000 Building $65,000

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

Flood

FEMA maps place 312 W 21st St 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

The area around 312 W 21st St has no burnable land within ember reach, so its wildfire risk is not rated.

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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