Kenton County property record for 321 E 3rd St, Covington, KY 41011 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,020 sqft Finished Area |
| Lot Size | 779 sqft (0.018 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $265,000 (2021) |
| Tax Bill | $3,511.00 (2025) |
| Primary APN | 054-14-17-001.12 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,020 sqft Finished Area |
| Gross Area | 1,241 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 779 sqft (0.018 acres) |
| Depth X Width | 43.5 ft x 17.9 ft Depth x Width |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 321 E 3RD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1709 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GARRARD ROW A 17.92X43.50 |
| Legal Subdivision | GARRARD ROW |
| Legal Lot Number | A |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 3 |
| Census Block | 3002 |
| Census Tract | 67000 |
Source: Kenton County records · APN 054-14-17-001.12
Assessment roll updated December 2, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEMBA CREDIT UNION INC |
| May 27, 2021 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 27, 2021 · Amount on Record |
| Deed Sale | May 27, 2021 · Amount on Record |
| Prior Sale | Oct 24, 2003 · Amount on Record |
| Deed Doc Number | 20215900064 |
| Deed Book / Page | 93 / 291 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
| Document Number | 0005900009 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 263/845 |
| Instrument | 21083005900009 |
| Name | THE NORTH SIDE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900104 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 247/323 |
| Instrument | 21072605900104 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Aug 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 7.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 27, 2021 |
| Property Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
| Document Number | 0005900064 |
| Book / Page | 93 / 291 |
| Map Reference | PL 1294 |
| Instrument Date | May 21, 2021 |
| Instrument | 21052705900064 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 SANFORD ST, 523, COVINGTON, KY 41011-2529 |
| Name | Verified Name |
|---|---|
| Address | 321 E 3RD ST, COVINGTON, KY 41011-1709 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,511.00 (-0.51%) | $265,000 (-) Land $10,000 Building $255,000 | $265,000 (-) Land $10,000 Building $255,000 |
| 2023 | $3,529.00 | $265,000 Land $10,000 Building $255,000 | $265,000 Land $10,000 Building $255,000 |
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