323 E 2nd St, Apt 310, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 310, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 934 sqft · built 1926
Lot Size	0.021 acres (934 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (May 2004)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.36`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.36`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	934 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	934 sqft (0.021 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	323 E 2ND ST, 310
City	COVINGTON
State	KY
Zip	41011-1772
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 310 933.88 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	310
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	1459 SHIREPEAK WAY, INDEPENDENCE, KY 41051-7426
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional with PMI BAYSHORE MTG FNDG
Aug 5, 2019	Quit Claim Deed, Mortgage · Conventional with PMI BAYSHORE MTG FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2004 · Amount on Record
Deed Sale	May 11, 2004 · Amount on Record
Prior Sale	Oct 1, 2002 · Amount on Record
Deed Document Number	200405 11 059 00141
Deed Book / Page	2170 / 48
Last Transfer Date	Jul 30, 2019
Transfer Doc	0000000051
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 310, 310, COVINGTON, KY 41011-1772
Document Number	0000000015
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	323 E 2ND ST #310 COVINGTON KY 410111772, 310, COVINGTON, KY 41011-1772

Mortgage

Document Number	0000000015
Date	Aug 21, 2020
Book Page	000M86/000194
Instrument	15

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

August 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 5, 2019
Property Address	323 E 2ND ST APT 310, 310, COVINGTON, KY 41011-1772
Document Number	0000000051
Book / Page	0C6721 / 000145
Instrument Date	Jul 30, 2019
Instrument	51
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1459 SHIREPEAK WAY INDEPENDENCE KY 410517426, INDEPENDENCE, KY 41051-7426

Mortgage

Document Number	52
Date	Aug 5, 2019
Book Page	0C6721/000148
Instrument	52

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

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		$168,200 (+2.87%) Building $168,200	$168,200 (+2.87%) Building $168,200
2025	$2,166.00 (-0.51%)	$163,500 (-) Building $163,500	$163,500 (-) Building $163,500
2023	$2,177.00	$163,500 Building $163,500	$163,500 Building $163,500

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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