Kenton County property record for 321 W 21st St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,800 sqft · built 1888 |
| Lot Size | 0.579 acres (25,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $36,000 (Apr 2006) |
| Tax Bill | $1,350 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-02-003.00 |
| Primary APN | 055-23-02-003.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Finished Area |
| Gross Area | 1,980 sqft |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 25,200 sqft (0.579 acres) |
| Lot Dimensions | 180 ft deep x 140 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 321 W 21ST ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOOAR DANIEL PT LOTS 2-3-4-5 140'X 180' SS 21ST 70' E HOWELL |
| Legal Subdivision | MOOAR DANIEL |
| Legal Lot Number | 2,3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 65000 |
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 | 321 W 21ST ST, COVINGTON, KY 41014-1113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Feb 14, 2018 | Deed of Trust, Mortgage CITICORP SVGS/FL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2006 · Amount on Record |
| Deed Sale | Apr 20, 2006 · Amount on Record |
| Prior Sale | Feb 18, 2005 · Amount on Record |
| Deed Document Number | 200604 20 059 00238 |
| Deed Book / Page | 2983 / 24 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 321 W 21ST ST, COVINGTON, KY 41014-1113 |
| Document Number | 00M1090032 |
| Instrument Date | Sep 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 321 W 21ST ST COVINGTON KY 410141113, COVINGTON, KY 41014-1113 |
| Document Number | 00M1090032 |
|---|---|
| Date | Oct 8, 2020 |
| Book Page | 00M109/000032 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | LATONIA, KY 41015 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 7, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 321 W 21ST ST, COVINGTON, KY 41014-1113 |
| Document Number | 0000000194 |
| Instrument Date | Feb 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2018 |
| Title Company | MORTGAGE CONNECT LP |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 321 W 21ST ST COVINGTON KY 410141113, COVINGTON, KY 41014-1113 |
| Document Number | 0000000194 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 0C6359/000293 |
| Instrument | 194 |
| Name | CITICORP SVGS/FL |
|---|---|
| Type | Federal Savings Bank |
| Address | O FALLON, MO 63368-2240 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Feb 22, 2038 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $172,800 (+69.58%) Land $10,000 Building $162,800 | $172,800 (+69.58%) Land $10,000 Building $162,800 | |
| 2025 | $1,350.00 (-0.52%) | $101,900 (-) Land $5,000 Building $96,900 | $101,900 (-) Land $5,000 Building $96,900 |
| 2023 | $1,357.00 | $101,900 Land $5,000 Building $96,900 | $101,900 Land $5,000 Building $96,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures