323 W 20th St, Covington, KY 41014 Property Records

Kenton County property record for 323 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,728 sqft
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$147,500 (Apr 2022)
Tax Bill	$1,954 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-22-005.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-22-005.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,728 sqft Finished Area
Gross Area	1,763 sqft

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	323 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOTS 78-79
Legal Subdivision	HOWARD & CO
Legal Lot Number	78,79
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
Census Tract	65000

Owner

323 W 20th St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	323 W 20TH ST, COVINGTON, KY 41014-1109
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
May 26, 2026	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage PARK NATIONAL BANK
Nov 8, 2017	Grant Deed, Transfer · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on File
Deed Sale	Apr 27, 2022 · Amount on File
Prior Sale	Nov 8, 2017 · Amount on File
Deed Document Number	202235
Deed Book / Page	161 / 979
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 26, 2026
Property Address	323 W 20TH ST, COVINGTON, KY 41014-1109
Document Number	0000010776
Book / Page	436 / 347
Instrument Date	May 14, 2026
Instrument	202610776
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 W 20TH ST, COVINGTON, KY 41014-1109

Mortgage

Document Number	0000010776,
Date	May 26, 2026
Book Page	436/347
Instrument	202610776

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 9, 2046

Interest

Rate	6.3%
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 27, 2022
Property Address	323 W 20TH ST, COVINGTON, KY 41014-1109
Document Number	0005900035
Book / Page	161 / 979
Map Reference	PL 104
Instrument Date	Apr 22, 2022
Instrument	22042705900035
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 WATERSIDE WAY, 4, COVINGTON, KY 41017-9733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 W 20TH ST, COVINGTON, KY 41014-1109

Mortgage

Document Number	0005900036
Date	Apr 27, 2022
Instrument	22042705900036

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2017
Property Address	323 W 20TH ST, COVINGTON, KY 41014-1109
Document Number	0000000035
Book / Page	0C6290 / 000152
Instrument Date	Sep 22, 2017
Instrument	35
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 W 20TH ST COVINGTON KY 410141109, COVINGTON, KY 41014-1109

Mortgage

Document Number	37
Date	Nov 8, 2017
Book Page	0C6290/000168
Instrument	37

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 7, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 323 W 20th St was $1,954.

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		$151,300 (+2.58%) Land $10,000 Building $141,300	$151,300 (+2.58%) Land $10,000 Building $141,300
2025	$1,954.00	$147,500 Land $5,000 Building $142,500	$147,500 Land $5,000 Building $142,500
2023	$1,964.00	$147,500 Land $5,000 Building $142,500	$147,500 Land $5,000 Building $142,500

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

Flood

FEMA maps place 323 W 20th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 323 W 20th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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