321 Riverside Dr, #100, Covington, KY 41011 Property Records

Kenton County property record for 321 Riverside Dr, #100, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 959 sqft · built 1993
Owner	Individual Name on Record
Last Sale	$319,000 (Jul 2020)
Tax Bill	$4,226 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`854-14-15-003.01`

Property Details

APN / Parcel Number

Primary APN	`854-14-15-003.01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	21 Units
Stories	1 Story
Building Area	959 sqft Finished Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Concrete

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Street Address	321 RIVERSIDE DR, 100
City	COVINGTON
State	KY
Zip	41011-1778
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERSIDE MANSION CONDOS UNIT 100
Legal Subdivision	RIVERSIDE MANSION CONDOMINIUMS
Legal Lot Number	100
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4013
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Riverside Drive Historic District listed 1971 · 30 contributing resources · NRIS 71000350

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	2524 FAIRMONT AVE, OAKWOOD, OH 45419-1510
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 15, 2020	Warranty Deed, Construction Loan · Construction Mortgage GUARDIAN BANCORP
Jul 15, 2020	Deed of Trust, Construction Loan · Construction Mortgage GUARDIAN BANCORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Prior Sale	May 23, 2000 · Amount on Record
Deed Document Number	20205900150
Deed Book / Page	32 / 134
Prior Transfer Date	Feb 23, 2015
Prior Transfer Doc	0005900267
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	321 RIVERSIDE DR # 100, 100, COVINGTON, KY 41011-1778
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900188
Date	Sep 2, 2021
Book Page	267/40
Instrument	21090205900188

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.47%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.47%
Index	Other
Margin	3
Max Rate	7.47%

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 15, 2020
Property Address	321 RIVERSIDE DR # 100, 100, COVINGTON, KY 41011-1778
Document Number	0000000150
Book / Page	000032 / 000134
Instrument Date	Jun 19, 2020
Instrument	150
Transaction Type	Construction Loan
Record Updated	Sep 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 RIVERSIDE DR #100 COVINGTON KY 410111778, 100, COVINGTON, KY 41011-1778

Mortgage

Document Number	151
Date	Jul 15, 2020
Book Page	000M70/000200
Instrument	151

Lender

Name	GUARDIAN BANCORP
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2021

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 15, 2020
Property Address	321 RIVERSIDE DR # 100, 100, COVINGTON, KY 41011-1778
Document Number	0000000151
Book / Page	000M70 / 000200
Instrument Date	Jun 19, 2020
Instrument	151
Transaction Type	Construction Loan
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 RIVERSIDE DR #100 COVINGTON KY 410111778, 100, COVINGTON, KY 41011-1778

Mortgage

Document Number	0000000151
Date	Jul 15, 2020
Book Page	000M70/000200
Instrument	151

Lender

Name	GUARDIAN BANCORP
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2021

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		$319,000 (-) Building $319,000	$319,000 (-) Building $319,000
2025	$4,226.00 (-0.54%)	$319,000 (-) Building $319,000	$319,000 (-) Building $319,000
2023	$4,249.00	$319,000 Building $319,000	$319,000 Building $319,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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