317 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 317 Western Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 960 sqft · built 1984
Lot Size	0.02 acres (871 sqft)
Owner	Company Name on Record
Last Sale	$115,000 (Nov 2020)
Tax Bill	$1,961 (2025)
Deeds & Mortgages	May 2021 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-30-00-024.00`

Property Details

APN / Parcel Number

Primary APN	`040-30-00-024.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	960 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	871 sqft (0.02 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	317 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVINGTON HGTS V LOT O
Legal Subdivision	COVINGTON HEIGHTS V
Legal Lot Number	O
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	668 WESTERN AVE, COVINGTON, KY 41011-1042
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 6, 2020	Warranty Deed, Transfer · Conventional Mortgage PARK NAT'L BK
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEW HORIZONS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on Record
Deed Sale	Nov 6, 2020 · Amount on Record
Prior Sale	Jan 31, 2003 · Amount on Record
Deed Document Number	20205900037
Deed Book / Page	53 / 759
Last Transfer Date	Feb 3, 2021
Transfer Doc	0005900176
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 5, 2021
Property Address	317 WESTERN AVE, COVINGTON, KY 41011-1039
Document Number	0005900176
Book / Page	88 / 563
Map Reference	PL 1310
Instrument Date	Feb 3, 2021
Instrument	21050505900176
Transaction Type	Transfer
Record Updated	May 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 MINITZVIEW DRIVE, CINCINNATI, OH 45233

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 6, 2020
Property Address	317 WESTERN AVE, COVINGTON, KY 41011-1039
Document Number	0000000037
Book / Page	000053 / 000759
Instrument Date	Oct 5, 2020
Instrument	37
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	TECHNE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 WESTERN AVE COVINGTON KY 410111039, COVINGTON, KY 41011-1039

Mortgage

Document Number	39
Date	Nov 6, 2020
Book Page	00M121/000841
Instrument	39

Lender

Name	PARK NAT'L BK
Type	Bank
Address	NEWARK, OH 43058-3500

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	317 WESTERN AVE, COVINGTON, KY 41011-1039
Document Number	0000000094
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 WESTERN AVE COVINGTON KY 410111039, COVINGTON, KY 41011-1039

Mortgage

Document Number	0000000094
Date	Nov 28, 2018
Book Page	0C6553/000046
Instrument	94

Lender

Name	NEW HORIZONS CU
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 27, 2033

Tax Assessment & Valuation

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		$148,000 (-) Land $10,000 Building $138,000	$148,000 (-) Land $10,000 Building $138,000
2025	$1,961.00 (-0.51%)	$148,000 (-) Land $10,000 Building $138,000	$148,000 (-) Land $10,000 Building $138,000
2023	$1,971.00	$148,000 Land $10,000 Building $138,000	$148,000 Land $10,000 Building $138,000

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

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 100 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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