313 W 7th St, Covington, KY 41011 Property Records

Kenton County property record for 313 W 7th St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,472 sqft · built 1886
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jul 2024)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-06-007.02`

Property Details

APN / Parcel Number

Primary APN	`054-21-06-007.02`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,472 sqft Finished Area
Gross Area	1,740 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Foundation Type	Stone
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 W 7TH ST
City	COVINGTON
State	KY
Zip	41011-1343
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREERS ADDN BLK 36 PT LOT 4 25'X 100'
Legal Subdivision	GREERS ADDN
Legal Phase	36
Legal Block	36
Legal Lot Number	4
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

313 W 7th St, a duplex, is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	313 W 7TH ST, COVINGTON, KY 41011-1343
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
Nov 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Dec 13, 2023	Warranty Deed, Transfer
Nov 22, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2024 · Amount on File
Deed Sale	Jul 9, 2024 · Amount on File
Prior Sale	Jul 9, 2024 · Amount on File
Deed Document Number	20240709145
Deed Book / Page	293 / 831
Prior Transfer Date	Jun 24, 2024
Prior Transfer Doc	0005900144
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	313 W 7TH ST, COVINGTON, KY 41011-1343
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2841 DAMASCUS RD, HEBRON, KY 41048-9753

Mortgage

Document Number	0005900009
Date	Nov 9, 2023
Book Page	KCM 505/900
Instrument	23110905900009

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

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

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2023
Property Address	313 W 7TH ST, COVINGTON, KY 41011-1343
Document Number	0005900019
Book / Page	KC 260 / 960
Instrument Date	Dec 4, 2023
Instrument	23121305900019
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2841 DAMASCUS RD, HEBRON, KY 41048-9753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2001 PIECK DR, FT WRIGHT, KY 41011-2667

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2022
Property Address	313 W 7TH ST, COVINGTON, KY 41011-1343
Document Number	0005900252
Book / Page	201 / 993
Instrument Date	Nov 20, 2022
Instrument	22112205900252
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount on Record
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	313 W 7TH ST, 313, COVINGTON, KY 41011-1343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 W 7TH ST, COVINGTON, KY 41011-1343

Tax Assessment & Valuation

The 2025 property tax bill for 313 W 7th St was $4,637.

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		$350,000 (-) Land $10,000 Building $340,000	$350,000 (-) Land $10,000 Building $340,000
2025	$4,637.00	$350,000 Land $5,000 Building $345,000	$350,000 Land $5,000 Building $345,000
2023	$1,198.00	$90,000 Land $5,000 Building $85,000	$90,000 Land $5,000 Building $85,000

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 313 W 7th 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 313 W 7th 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 607 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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