Kenton County property record for 312 W 22nd St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,227 sqft · built 1953 |
| Lot Size | 0.164 acres (7,150 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,000 (Jan 2024) |
| Tax Bill | $2,610 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-02-030.00 |
| Primary APN | 055-23-02-030.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,227 sqft Finished Area |
| Gross Area | 1,331 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Lot Area | 7,150 sqft (0.164 acres) |
| Lot Dimensions | 143 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 312 W 22ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOOAR DANIEL S 1/2 LOT 7 50'X 143' NS 22ND ST |
| Legal Subdivision | MOOAR DANIEL |
| Legal Lot Number | 7 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 65000 |
312 W 22nd St is owned and occupied by an individual who bought it in January 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 W 22ND ST, COVINGTON, KY 41014-1604 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Jan 18, 2024 | Deed of Trust, Mortgage · FHA Mortgage MAGNOLIA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2024 · Amount on File |
| Deed Sale | Jan 18, 2024 · Amount on File |
| Prior Sale | Jun 27, 2013 · Amount on File |
| Deed Document Number | 202424 |
| Deed Book / Page | 265 / 924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 312 W 22ND ST, COVINGTON, KY 41014-1604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900004 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | KCM 534/941 |
| Instrument | 24032505900004 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount on Record |
|---|---|
| Term | 118 Months |
| Due | Jan 4, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 312 W 22ND ST, COVINGTON, KY 41014-1604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 307 GARFIELD AVE, MELBOURNE, KY 41059-2415 |
| Document Number | 0005900025 |
|---|---|
| Date | Jan 18, 2024 |
| Book Page | KCM 521/138 |
| Instrument | 24011805900025 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | HODGENVILLE, KY 42748 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
The 2025 property tax bill for 312 W 22nd St was $2,610.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $197,000 (-) Land $10,000 Building $187,000 | $197,000 (-) Land $10,000 Building $187,000 | |
| 2025 | $2,610.00 | $197,000 Land $5,000 Building $192,000 | $197,000 Land $5,000 Building $192,000 |
| 2023 | $1,265.00 | $95,000 Land $5,000 Building $90,000 | $95,000 Land $5,000 Building $90,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 312 W 22nd 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.
The area around 312 W 22nd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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