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

Kenton County property record for 314 W 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,113 sqft
Lot Size	0.05 acres (2,184 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Nov 2019)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-04-032.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-04-032.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,113 sqft Finished Area

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,184 sqft (0.05 acres)
Lot Dimensions	83.6 ft deep x 26.2 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Street Address	314 W 7TH ST
City	COVINGTON
State	KY
Zip	41011-1344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 32 PT LOTS 2-3 26.18'X 83.58' IRREG
Legal Subdivision	GREERS ADDN
Legal Phase	32
Legal Block	32
Legal Lot Number	2,3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
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

314 W 7th St is owned and occupied by an individual who bought it in November 2019.

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 File
Mailing Address	314 W 7TH ST, COVINGTON, KY 41011-1344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on File
Deed Sale	Nov 22, 2019 · Amount on File
Prior Sale	Nov 4, 2016 · Amount on File
Deed Document Number	201911 22 059 00039
Deed Book / Page	6807 / 204
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2019
Property Address	314 W 7TH ST, COVINGTON, KY 41011-1344
Document Number	0000000039
Book / Page	0C6807 / 000204
Instrument Date	Nov 18, 2019
Instrument	39
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 W 7TH ST COVINGTON KY 410111344, COVINGTON, KY 41011-1344

Mortgage

Document Number	42
Date	Nov 22, 2019
Book Page	0C6807/000207
Instrument	42

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 314 W 7th St was $3,312.

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		$250,000 (-) Land $10,000 Building $240,000	$250,000 (-) Land $10,000 Building $240,000
2025	$3,312.00	$250,000 Land $5,000 Building $245,000	$250,000 Land $5,000 Building $245,000
2023	$3,330.00	$250,000 Land $5,000 Building $245,000	$250,000 Land $5,000 Building $245,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 314 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 314 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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