323 E 2nd St, Apt 116, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 116, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,552 sqft · built 1926
Lot Size	0.036 acres (1,552 sqft)
Owner	2 Individual Names on File
Last Sale	$227,000 (Apr 2017)
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.16`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.16`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 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	1,552 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, 116
City	COVINGTON
State	KY
Zip	41011-1770
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 116 1551.87 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	116
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

323 E 2nd St, Apt 116 is owned and occupied by two individuals who bought it in April 2017.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	323 E 2ND ST, 116, COVINGTON, KY 41011-1770
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage UNION SAVINGS BANK
Apr 18, 2017	Warranty Deed, Transfer · Conventional with PMI UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2017 · Amount on File
Deed Sale	Apr 18, 2017 · Amount on File
Prior Sale	Oct 19, 2006 · Amount on File
Deed Document Number	201704 18 059 00282
Deed Book / Page	6139 / 17
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 116, 116, COVINGTON, KY 41011-1770
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900226
Date	Mar 16, 2021
Book Page	184/413
Instrument	21031605900226

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 18, 2017
Property Address	323 E 2ND ST APT 116, 116, COVINGTON, KY 41011-1770
Document Number	0000000282
Book / Page	0C6139 / 000017
Instrument Date	Apr 14, 2017
Instrument	282
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	323 E 2ND ST #116 COVINGTON KY 410111770, 116, COVINGTON, KY 41011-1770

Mortgage

Document Number	283
Date	Apr 18, 2017
Book Page	0C6139/000020
Instrument	283

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 323 E 2nd St, Apt 116 was $3,598.

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		$271,600 (-) Building $271,600	$271,600 (-) Building $271,600
2025	$3,598.00	$271,600 Building $271,600	$271,600 Building $271,600
2023	$3,617.00	$271,600 Building $271,600	$271,600 Building $271,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 323 E 2nd St, Apt 116 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 323 E 2nd St, Apt 116 is low, with less than a 0.01% annual chance of 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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