320 W 7th St, Covington, KY 41011 Property Records

Kenton County property record for 320 W 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,232 sqft · built 1886
Lot Size	0.051 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Apr 2018)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-04-035.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-04-035.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,232 sqft Finished Area
Gross Area	1,508 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,250 sqft (0.051 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 W 7TH ST
City	COVINGTON
State	KY
Zip	41011-1344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 32 LOT 6 25'X 90' IRREG
Legal Subdivision	GREERS ADDN
Legal Phase	32
Legal Block	32
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
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

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	320 W 7TH ST, COVINGTON, KY 41011-1344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Sep 20, 2004 · Amount on Record
Deed Document Number	201804 10 059 00157
Deed Book / Page	6387 / 174
Record Updated	Oct 29, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 10, 2018
Property Address	320 W 7TH ST, COVINGTON, KY 41011-1344
Document Number	0000000157
Book / Page	0C6387 / 000174
Instrument Date	Apr 5, 2018
Instrument	157
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W 7TH ST COVINGTON KY 410111344, COVINGTON, KY 41011-1344

Mortgage

Document Number	158
Date	Apr 10, 2018
Book Page	0C6387/000178
Instrument	158

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 9, 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		$175,100 (+15.2%) Land $10,000 Building $165,100	$175,100 (+15.2%) Land $10,000 Building $165,100
2025	$2,014.00 (-0.49%)	$152,000 (-) Land $5,000 Building $147,000	$152,000 (-) Land $5,000 Building $147,000
2023	$2,024.00	$152,000 Land $5,000 Building $147,000	$152,000 Land $5,000 Building $147,000

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	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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