318 W 20th St, Covington, KY 41014 Property Records

Kenton County property record for 318 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 860 sqft · built 1928
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$135,500 (Jun 2024)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-21-014.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-21-014.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	860 sqft Finished Area
Gross Area	1,040 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	145 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	318 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOT 89
Legal Subdivision	HOWARD & CO
Legal Lot Number	89
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

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	Individual Name on Record
Mailing Address	108 ROBSON AVE, 1, FORT THOMAS, KY 41075-2154
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage CITY OF COVINGTON
Aug 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage CITY OF COVINGTON
Jun 27, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Feb 7, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Mar 24, 2020	Warranty Deed, Transfer STEWART TITLE
May 15, 2018	Warranty Deed, Transfer · FHA Mortgage HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2024 · Amount on Record
Deed Sale	Jun 27, 2024 · Amount on Record
Prior Sale	Feb 7, 2022 · Amount on Record
Deed Document Number	2024105
Deed Book / Page	291 / 793
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900041
Date	Mar 23, 2022
Book Page	351/413
Instrument	22032305900041

Lender

Name	CITY OF COVINGTON
Type	Government Agency
Address	COVINGTON, KY 41011

Agreement

Amount	Amount Recorded
Term	58 Months
Due	Jan 27, 2027

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 W 20TH ST, COVINGTON, KY 41014-1110

Mortgage

Document Number	0005900036
Date	Aug 15, 2024
Book Page	KCM 574/645
Instrument	24081505900036

Lender

Name	CITY OF COVINGTON
Type	Government Agency
Address	COVINGTON, KY 41011

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 10, 2034

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 27, 2024
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0005900105
Book / Page	KC 291 / 793
Instrument Date	Jun 25, 2024
Instrument	24062705900105
Transaction Type	Transfer
Record Updated	Jul 24, 2024
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	813 WILLOW DR, LONGVIEW, TX 75602-5352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ROBSON AVE APT 1, 1, FORT THOMAS, KY 41075-2154

Mortgage

Document Number	0005900106
Date	Jun 27, 2024
Instrument	24062705900106

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 7, 2022
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0005900204
Book / Page	146 / 540
Map Reference	PL104
Instrument Date	Jan 12, 2022
Instrument	22020705900204
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 STELLENWERF AVE, EAST ISLIP, NY 11730-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 W 20TH ST, COVINGTON, KY 41014-1110

Mortgage

Document Number	0005900205
Date	Feb 7, 2022
Instrument	22020705900205

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 24, 2020
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000145
Book / Page	000013 / 000745
Instrument Date	Mar 19, 2020
Instrument	145
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 STELLENWERF AVE EAST ISLIP NY 117301125, EAST ISLIP, NY 11730-1125

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 15, 2018
Property Address	318 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000207
Book / Page	0C6411 / 000177
Instrument Date	May 11, 2018
Instrument	207
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 W 20TH ST COVINGTON KY 410141110, COVINGTON, KY 41014-1110

Mortgage

Document Number	208
Date	May 15, 2018
Book Page	0C6411/000180
Instrument	208

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Mortgage

Document Number	209,
Date	May 15, 2018
Book Page	0C6411/000196
Instrument	209

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COVINGTON, KY 41011

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 14, 2023

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		$135,500 (-) Land $10,000 Building $125,500	$135,500 (-) Land $10,000 Building $125,500
2025	$1,795.00 (+38.93%)	$135,500 (+39.69%) Land $5,000 Building $130,500	$135,500 (+39.69%) Land $5,000 Building $130,500
2023	$1,292.00	$97,000 Land $5,000 Building $92,000	$97,000 Land $5,000 Building $92,000

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	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.

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 956 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

May also be available: AT&T, T-Mobile, Verizon.

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