323 E 2nd St, Apt 208, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 208, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 987 sqft · built 1926
Lot Size	0.023 acres (987 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Jun 2004)
Tax Bill	$2,288 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.24`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.24`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	987 sqft Finished Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Material	Tar & Gravel
Lot Area	987 sqft (0.023 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	323 E 2ND ST, 208
City	COVINGTON
State	KY
Zip	41011-1771
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 208 986.68 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	208
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	323 E 2ND ST, 208, COVINGTON, KY 41011-1771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 23, 2019	Deed of Trust, Mortgage · Line of Credit CINFED CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2004 · Amount on Record
Deed Sale	Jun 17, 2004 · Amount on Record
Prior Sale	Aug 19, 2003 · Amount on Record
Deed Document Number	200406 17 059 00089
Deed Book / Page	2219 / 145
Last Transfer Date	May 19, 2016
Transfer Doc	0005900159
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 208, 208, COVINGTON, KY 41011-1771
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900263
Date	Apr 26, 2021
Book Page	207/653
Instrument	21042605900263

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 208, 208, COVINGTON, KY 41011-1771
Document Number	0000000393
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST #208 COVINGTON KY 410111771, 208, COVINGTON, KY 41011-1771

Mortgage

Document Number	0000000393
Date	Sep 19, 2019
Book Page	0C6759/000080
Instrument	393

Lender

Name	CINFED CU
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 18, 2039

Interest

Rate Type	Adjustable Rate

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		$177,700 (+2.9%) Building $177,700	$177,700 (+2.9%) Building $177,700
2025	$2,288.00 (-0.52%)	$172,700 (-) Building $172,700	$172,700 (-) Building $172,700
2023	$2,300.00	$172,700 Building $172,700	$172,700 Building $172,700

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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