323 E 2nd St, Apt 115, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 115, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,554 sqft · built 1926
Lot Size	0.036 acres (1,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Feb 2025)
Tax Bill	$3,604 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.15`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.15`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,554 sqft Finished Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Tar & Gravel
Lot Area	1,554 sqft (0.036 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	323 E 2ND ST, 115
City	COVINGTON
State	KY
Zip	41011-1770
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 115 1554.40 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	115
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	2 Individual Names on Record
Mailing Address	323 E 2ND ST, 115, COVINGTON, KY 41011-1770
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Sep 10, 2011 · Amount on Record
Deed Document Number	2025123
Deed Book / Page	331 / 474
Prior Transfer Date	Jul 31, 2009
Prior Transfer Doc	0005900088
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 115, 115, COVINGTON, KY 41011-1770
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST 115, 115, COVINGTON, KY 41011-1770

Mortgage

Document Number	0005900151
Date	Nov 22, 2021
Book Page	304/861
Instrument	21112205900151

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 5, 2031

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 115, 115, COVINGTON, KY 41011-1770
Document Number	0000000040
Book / Page	0C6114 / 000051
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST #115 COVINGTON KY 410111770, 115, COVINGTON, KY 41011-1770

Mortgage

Document Number	0000000040
Date	Mar 13, 2017
Book Page	0C6114/000051
Instrument	40

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 12, 2032

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		$330,000 (+21.32%) Building $330,000	$330,000 (+21.32%) Building $330,000
2025	$3,604.00 (-0.52%)	$272,000 (-) Building $272,000	$272,000 (-) Building $272,000
2023	$3,623.00	$272,000 Building $272,000	$272,000 Building $272,000

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
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.

Nearby Properties on E 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures