Kenton County property record for 317 Orchard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,069 sqft · built 1900 |
| Lot Size | 0.045 acres (1,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Nov 2017) |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-18-007.00 |
| Primary APN | 054-22-18-007.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,069 sqft Finished Area |
| Year Built | Built 1900 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 1,968 sqft (0.045 acres) |
| Lot Dimensions | 82 ft deep x 24 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0542218007.00 |
|---|---|
| Street Address | 317 ORCHARD ST |
| City | COVINGTON |
| State | KY |
| Zip | 41011-2220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIDDLES 2ND PT LOTS 7-8 24'X 82' |
| Legal Subdivision | RIDDLES |
| Legal Phase | 2 |
| Legal Lot Number | 7,8 8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 60700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lee-Holman Historic District listed 1996 · 152 contributing resources · NRIS 96000798 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Kenton County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Nov 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 20, 2017 · Amount on Record |
| Deed Sale | Nov 20, 2017 · Amount on Record |
| Prior Sale | Oct 20, 2015 · Amount on Record |
| Deed Document Number | 0006298231 |
| Deed Book / Page | 6298 / 231 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 317 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Document Number | 0000000163 |
| Instrument Date | May 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 317 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220 |
| Document Number | 0000000163 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 000M54/000237 |
| Instrument | 163 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 20, 2017 |
| Property Address | 317 ORCHARD ST, COVINGTON, KY 41011-2220 |
| Document Number | 0000000272 |
| Book / Page | 0C6298 / 000231 |
| Instrument Date | Nov 16, 2017 |
| Instrument | 272 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 317 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220 |
| Document Number | 273 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 0C6298/000237 |
| Instrument | 273 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2047 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $1,403.00 (-2.97%) Homeowner's exemption | $155,000 (-) Land $5,000 Building $150,000 | $155,000 (-) Land $5,000 Building $150,000 |
| 2023 | $1,446.00 Homeowner's exemption | $155,000 Land $5,000 Building $150,000 | $155,000 Land $5,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 720 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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