321 W 16th St, Covington, KY 41014 Property Records

Kenton County property record for 321 W 16th St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,734 sqft · built 1909
Lot Size	0.077 acres (3,369 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2021)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-11-18-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-18-001.00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,734 sqft Finished Area

Exterior

Year Built	Built 1909
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,369 sqft
Lot Dimensions	97 ft deep x 34 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0551118001.00
Street Address	321 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1061
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	KENNEDY OF SOUTHGATE LAND PT LOTS 16-17 34.73'X 97' IRREG
Legal Subdivision	KENNEDY OF SOUTHGATE LAND
Legal Lot Number	16,17 17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4002
Census Tract	65000

Owner

Source: Kenton County records, as of November 27, 2025

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	105 E MARTIN LUTHER KING JR BLVD, COVINGTON, KY 41011-3193
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on Record
Deed Sale	Feb 3, 2021 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	0000069590
Deed Book / Page	69 / 590
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 3, 2021
Property Address	321 W 16TH ST, COVINGTON, KY 41014-1061
Document Number	0005900061
Book / Page	69 / 590
Instrument Date	Jan 29, 2021
Instrument	21020305900061
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1525 SAINT CLAIR ST, 1525, COVINGTON, KY 41011-2945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E MARTIN LUTHER KING JR BLVD, COVINGTON, KY 41011-3193

Mortgage

Document Number	0005900062
Date	Feb 3, 2021
Book Page	162/545
Instrument	21020305900062

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company
Address	WAUKESHA, WI 53186

Agreement

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

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 25, 2019
Property Address	321 W 16TH ST, COVINGTON, KY 41014-1061
Document Number	0000000277
Book / Page	0C6714 / 000064
Instrument Date	Jul 22, 2019
Instrument	277
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.79
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 SAINT CLAIR ST COVINGTON KY 410112945, COVINGTON, KY 41011-2945

Mortgage

Document Number	282
Date	Jul 25, 2019
Book Page	0C6714/000067
Instrument	282

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,120.00 (-0.52%)	$160,000 (-) Land $5,000 Building $155,000	$160,000 (-) Land $5,000 Building $155,000
2023	$2,131.00	$160,000 Land $5,000 Building $155,000	$160,000 Land $5,000 Building $155,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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 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 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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