320 W 6th St, Covington, KY 41011 Property Records

Kenton County property record for 320 W 6th St, Covington, KY 41011

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,000 sqft
Lot Size	0.072 acres (3,149 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Apr 2024)
Tax Bill	$7,486 (2025)
Deeds & Mortgages	Feb 2022 Sale Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-02-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-02-008.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,000 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Townhouse
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Galvanized Metal
Lot Area	3,149 sqft (0.072 acres)
Lot Dimensions	157 ft deep x 20 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 W 6TH ST
City	COVINGTON
State	KY
Zip	41011-1302
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CHESTER & MANSFIELD BLK 23 PT LOT 20 0.0723 ACS NS W 6TH ST
Legal Subdivision	CHESTER & MANSFIELD
Legal Phase	23
Legal Block	23
Legal Lot Number	20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
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

320 W 6th St, a townhouse, is owned and occupied by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 W 6TH ST, COVINGTON, KY 41011-1302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Correction Deed
Feb 18, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage US BK
Feb 25, 2020	Deed of Trust, Construction Loan · Construction Mortgage CINCINNATI FED'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Feb 25, 2022 · Amount on File
Deed Document Number	202439
Deed Book / Page	281 / 881
Prior Transfer Date	Apr 25, 2007
Prior Transfer Doc	0005900230
Record Updated	Oct 29, 2026

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	KENTON KY
Recording Date	Feb 25, 2022
Property Address	320 W 6TH ST, COVINGTON, KY 41011-1302
Document Number	0005900035
Book / Page	150 / 269
Instrument Date	Feb 23, 2022
Instrument	22022505900035
Record Updated	Mar 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 W 6TH ST, COVINGTON, KY 41011-1302

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 18, 2022
Property Address	320 W 6TH ST, COVINGTON, KY 41011-1302
Document Number	0005900229
Book / Page	149 / 301
Map Reference	MB 777 PG 082
Instrument Date	Feb 12, 2022
Instrument	22021805900229
Transaction Type	Transfer
Record Updated	Mar 4, 2022

Transaction

Amount	Amount on Record
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	302 CREEK PARK DR, 302, CARY, NC 27513-5648

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 W 6TH ST, COVINGTON, KY 41011-1302

Mortgage

Document Number	0005900230
Date	Feb 18, 2022
Instrument	22021805900230

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 9, 2020
Property Address	320 W 6TH ST, COVINGTON, KY 41011-1302
Document Number	0000000304
Book / Page	000042 / 000617
Instrument Date	Sep 3, 2020
Instrument	304
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W 6TH ST COVINGTON KY 410111302, COVINGTON, KY 41011-1302

Mortgage

Document Number	305
Date	Sep 9, 2020
Book Page	000M95/000568
Instrument	305

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Feb 25, 2020
Property Address	320 W 6TH ST, COVINGTON, KY 41011-1302
Document Number	0000000202
Book / Page	000M14 / 000532
Instrument Date	Feb 7, 2020
Instrument	202
Transaction Type	Construction Loan
Record Updated	Mar 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 W 6TH ST COVINGTON KY 410111302, COVINGTON, KY 41011-1302

Mortgage

Document Number	0000000202
Date	Feb 25, 2020
Book Page	000M14/000532
Instrument	202

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 24, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 320 W 6th St was $7,486.

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		$565,000 (-) Land $15,000 Building $550,000	$565,000 (-) Land $15,000 Building $550,000
2025	$7,486.00	$565,000 Land $10,000 Building $555,000	$565,000 Land $10,000 Building $555,000
2023	$7,092.00	$532,500 Land $10,000 Building $522,500	$532,500 Land $10,000 Building $522,500

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

Flood

FEMA maps place 320 W 6th 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 320 W 6th 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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