312 W 8th St, Covington, KY 41011 Property Records

Kenton County property record for 312 W 8th St, Covington, KY 41011

Property Summary

Property Type	Vacant Land
Details	1 ba · 1,662 sqft
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Feb 2021)
Tax Bill	$132 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-06-026.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-06-026.00`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,662 sqft Building Perimeter

Exterior

Roof Material	Galvanized Metal
Lot Area	2,178 sqft (0.05 acres)
Garage Area	400 sqft

Location & Zoning

Street Address	312 W 8TH ST
City	COVINGTON
State	KY
Zip	41011-1347
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	GREERS ADDN BLK 36 E 22' LOT 11
Legal Subdivision	GREERS ADDN
Legal Phase	36
Legal Block	36
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1012
Census Tract	60300

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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

Owner

312 W 8th St, vacant land, is owned by two individuals who bought it in February 2021.

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	2 Individual Names on File
Mailing Address	314 W 8TH ST, 2, COVINGTON, KY 41011-1347
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Feb 25, 2021	Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on File
Deed Sale	Feb 25, 2021 · Amount on File
Prior Sale	Apr 13, 2016 · Amount on File
Deed Document Number	2021110113
Deed Book / Page	74 / 110
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	312 W 8TH ST, COVINGTON, KY 41011-1347
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000899
Date	Jan 15, 2026
Book Page	KCM 726/133
Instrument	26059000000899

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 12, 2031

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 25, 2021
Property Address	312 W 8TH ST, COVINGTON, KY 41011-1347
Document Number	0005900036
Book / Page	74 / 110
Map Reference	PLAT 95
Instrument Date	Feb 20, 2021
Instrument	21022505900036
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount on Record
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	539 N MARION ST, OAK PARK, IL 60302-1679

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	314 W 8TH ST, COVINGTON, KY 41011-1347

Mortgage

Document Number	0005900037
Date	Feb 25, 2021
Book Page	173/560
Instrument	21022505900037

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 312 W 8th St was $132.

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		$10,000 (-) Land $10,000	$10,000 (-) Land $10,000
2025	$132.00	$10,000 Land $10,000	$10,000 Land $10,000
2023	$133.00 (+0.76%)	$10,000 (-) Land $10,000	$10,000 (-) Land $10,000
2022	$132.00	$10,000 Land $10,000	$10,000 Land $10,000

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 8th 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

Wildfire risk around 312 W 8th St is low, with a 0.01% annual chance of 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 656 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

May also be available: T-Mobile, Verizon.

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