323 E 2nd St, Apt 108, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 108, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,150 sqft · built 1926
Lot Size	0.026 acres (1,150 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Mar 2024)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Mar 2024 Sale Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.08`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.08`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,150 sqft Finished Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Block
Roof Material	Tar & Gravel
Lot Area	1,150 sqft (0.026 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	323 E 2ND ST, 108
City	COVINGTON
State	KY
Zip	41011-1770
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 108 1149.68 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	108
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4011
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	Company Name on Record
Mailing Address	323 E 2ND ST, 108, COVINGTON, KY 41011-1770
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Warranty Deed, Transfer
Nov 29, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jun 12, 2017	Warranty Deed, Transfer · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on Record
Deed Sale	Mar 19, 2024 · Amount on Record
Prior Sale	Jun 12, 2017 · Amount on Record
Deed Document Number	2024192
Deed Book / Page	275 / 253
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 19, 2024
Property Address	323 E 2ND ST APT 108, 108, COVINGTON, KY 41011-1770
Document Number	0005900192
Book / Page	KC 275 / 253
Map Reference	MB 1080 PG 325
Instrument Date	Mar 18, 2024
Instrument	24031905900192
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST APT 108, 108, COVINGTON, KY 41011-1770

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 108, 108, COVINGTON, KY 41011-1770
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST 108, 108, COVINGTON, KY 41011-1770

Mortgage

Document Number	0005900144
Date	Nov 29, 2021
Book Page	307/516
Instrument	21112905900144

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 12, 2017
Property Address	323 E 2ND ST APT 108, 108, COVINGTON, KY 41011-1770
Document Number	0000000167
Book / Page	0C6179 / 000110
Instrument Date	Jun 12, 2017
Instrument	167
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST #108 COVINGTON KY 410111770, 108, COVINGTON, KY 41011-1770

Mortgage

Document Number	168
Date	Jun 12, 2017
Book Page	0C6179/000112
Instrument	168

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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		$300,000 (-) Building $300,000	$300,000 (-) Building $300,000
2025	$3,975.00 (+78.65%)	$300,000 (+40.52%) Building $300,000	$300,000 (+40.52%) Building $300,000
2023	$2,225.00 Homeowner's exemption	$213,500 Building $213,500	$213,500 Building $213,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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