324 Pleasant St, Covington, KY 41011 Property Records

Kenton County property record for 324 Pleasant St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,904 sqft · built 1920
Lot Size	0.056 acres (2,436 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Feb 2023 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-42-05-032.00`

Property Details

APN / Parcel Number

Primary APN	`054-42-05-032.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,904 sqft Finished Area
Gross Area	2,016 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,436 sqft (0.056 acres)
Lot Dimensions	84 ft deep x 29 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	324 PLEASANT ST
City	COVINGTON
State	KY
Zip	41011-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLAYTON & MOOAR LOT 26 29'X 84'
Legal Subdivision	CLAYTON & MOOAR
Legal Lot Number	26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	67100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Helentown Historic District listed 1987 · 689 contributing resources · NRIS 86003481

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	324 PLEASANT ST, COVINGTON, KY 41011-3516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA
Sep 9, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	324 PLEASANT ST, COVINGTON, KY 41011-3516
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900030
Date	Feb 21, 2023
Book Page	KCM 441/274
Instrument	23022105900030

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jan 1, 2028

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	324 PLEASANT ST, COVINGTON, KY 41011-3516
Document Number	0000000162
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 PLEASANT ST COVINGTON KY 410113516, COVINGTON, KY 41011-3516

Mortgage

Document Number	0000000162
Date	Sep 1, 2020
Book Page	000M91/000605
Instrument	162

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	324 PLEASANT ST, COVINGTON, KY 41011-3516
Document Number	0000000274
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 PLEASANT ST COVINGTON KY 410113516, COVINGTON, KY 41011-3516

Mortgage

Document Number	0000000274
Date	Oct 10, 2019
Book Page	0C6775/000156
Instrument	274

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 9, 2034

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		$117,000 (+192.5%) Land $10,000 Building $107,000	$117,000 (+192.5%) Land $10,000 Building $107,000
2025		$40,000 (-) Land $5,000 Building $35,000	$40,000 (-) Land $5,000 Building $35,000
2023		$40,000 (-) Land $5,000 Building $35,000	$40,000 (-) Land $5,000 Building $35,000
2022	Homeowner's exemption	$40,000 Land $5,000 Building $35,000	$40,000 Land $5,000 Building $35,000

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

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

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 591 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

May also be available: T-Mobile, Verizon.

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