323 E 2nd St, Apt 409, Covington, KY 41011 Property Records

Kenton County property record for 323 E 2nd St, Apt 409, Covington, KY 41011 · Last verified December 2025

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,071 sqft · built 1926
Lot Size	0.024 acres (1,071 sqft)
Owner	Owner Name on File
Last Sale	$142,000 (Sep 2014)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-14-16-003.45`

Property Details

APN / Parcel Number

Primary APN	`854-14-16-003.45`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,071 sqft Finished Area

Exterior

Year Built	Built 1926
Exterior Material	Brick
Foundation Type	Block
Roof Material	Tar & Gravel
Lot Area	1,071 sqft (0.024 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	8541416003.45
Street Address	323 E 2ND ST APT 409, 409
City	COVINGTON
State	KY
Zip	41011-1779
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GOVERNORS POINT CONDOS UNIT 409 1070.84 SQ FT CONDO
Legal Subdivision	GOVERNORS POINT CONDOS
Legal Lot Number	409
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4011
Census Tract	67000

Owner

Source: Kenton County records · APN 854-14-16-003.45

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	323 E 2ND ST APT 409, 409, COVINGTON, KY 41011-1779
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 03, 2014 · Amount on Record
Deed Sale	Sep 03, 2014 · Amount on Record
Prior Sale	Mar 29, 2004 · Amount on Record
Deed Document Number	0000548779
Deed Book / Page	5487 / 79
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 E 2ND ST APT 409, 409, COVINGTON, KY 41011-1779
Document Number	0000000254
Instrument Date	Jul 08, 2019
Transaction Type	Mortgage
Record Updated	Aug 09, 2019
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E 2ND ST #409 COVINGTON KY 410111779, 409, COVINGTON, KY 41011-1779

Mortgage

Document Number	0000000254
Date	Jul 25, 2019
Book Page	0C6714/000028
Instrument	254

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2034

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,832.00 (-2.45%) Homeowner's exemption	$187,400 (-) Building $187,400	$187,400 (-) Building $187,400
2023	$1,878.00 Homeowner's exemption	$187,400 Building $187,400	$187,400 Building $187,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170670004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Nearby Flood Policies	104 units insured 82 under condo master policies
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2025, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 326 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	1,000 / 75
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.