Kenton County property record for 321 Western Ave, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 819 sqft · built 1924 |
| Lot Size | 0.417 acres (18,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $64,000 (Mar 1999) |
| Tax Bill | $1,416 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-41-11-001.00 |
| Primary APN | 040-41-11-001.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 819 sqft Finished Area |
| Gross Area | 1,079 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Lot Area | 18,200 sqft (0.417 acres) |
| Lot Dimensions | 280 ft deep x 65 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 321 WESTERN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW I L FARM BLK A UNNUM LOT ADJ NO LINE OF LOT 6 WESTERN AVE BLK 2 65'X 280' IRREG |
| Legal Subdivision | LUDLOW I L SUBD |
| Legal Phase | A |
| Legal Block | A,2 |
| Legal Lot Number | 6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 61600 |
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 | 6 VALLEY DR, FLORENCE, KY 41042-2418 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 1999 · Amount on Record |
| Deed Sale | Mar 26, 1999 · Amount on Record |
| Record Updated | Oct 29, 2026 |
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 | $106,900 (-) Land $15,000 Building $91,900 | $106,900 (-) Land $15,000 Building $91,900 | |
| 2025 | $1,416.00 (-0.49%) | $106,900 (-) Land $10,000 Building $96,900 | $106,900 (-) Land $10,000 Building $96,900 |
| 2023 | $1,423.00 | $106,900 Land $10,000 Building $96,900 | $106,900 Land $10,000 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 | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 100 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 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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