Kenton County property record for 315 E 13th St, #21, Covington, KY 41011
| Property Type | Triplex |
|---|---|
| Details | 3 bd · 3 ba · 2,778 sqft · built 1880 |
| Lot Size | 0.174 acres (7,565 sqft) |
| Owner | Company Name on File |
| Last Sale | $7,500 (Apr 1998) |
| Tax Bill | $1,590 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-42-05-008.00 |
| Primary APN | 054-42-05-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,778 sqft Finished Area |
| Gross Area | 3,138 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Triplex |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 7,565 sqft (0.174 acres) |
| Lot Dimensions | 89 ft deep x 85 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 315 E 13TH ST, 21 |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3503 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | CLAYTON & MOOAR LOTS 27-29-31 85'X 89' |
| Legal Subdivision | CLAYTON & MOOAR |
| Legal Lot Number | 27-31 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 67100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Helentown Historic District listed 1987 · 689 contributing resources · NRIS 86003481 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
315 E 13th St, #21 is owned by a company that bought it in April 1998.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2816 LATONIA AVE, COVINGTON, KY 41015-1037 |
| Owner Type | Company |
| Vesting | Estate |
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 |
|---|---|
| Aug 21, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 17, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 1998 · Amount on File |
| Deed Sale | Apr 22, 1998 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 21, 2026 |
| Property Address | 315 E 13TH ST, 21, COVINGTON, KY 41011-3503 |
| Document Number | 0000019089 |
| Book / Page | 484 / 831 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202619089 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Estate |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 315 E 13TH ST # 21, 21, COVINGTON, KY 41011-3503 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0005900144 |
|---|---|
| Date | Mar 17, 2023 |
| Book Page | KCM 447/218 |
| Instrument | 23031705900144 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | FT MITCHELL, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 9, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 315 E 13th St, #21 was $1,590.
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 | $140,000 (+16.67%) Land $10,000 Building $130,000 | $140,000 (+16.67%) Land $10,000 Building $130,000 | |
| 2025 | $1,590.00 | $120,000 Land $10,000 Building $110,000 | $120,000 Land $10,000 Building $110,000 |
| 2023 | $1,598.00 | $120,000 Land $10,000 Building $110,000 | $120,000 Land $10,000 Building $110,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 E 13th St, #21 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 315 E 13th St, #21 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 794 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 |
May also be available: Verizon.
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