324 W 19th St, Covington, KY 41014 Property Records

Kenton County property record for 324 W 19th St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,952 sqft · built 1922
Lot Size	0.092 acres (4,041 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Feb 2024)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-20-020.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-20-020.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,952 sqft Finished Area
Gross Area	2,240 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,041 sqft (0.092 acres)
Lot Dimensions	124 ft deep x 32.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	324 W 19TH ST
City	COVINGTON
State	KY
Zip	41014-1138
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HAWTHORN ADDN PT LOT 5 32.5'X 124.35' IRREG
Legal Subdivision	HAWTHORN ADDN
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4015
Census Tract	65000

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	5586 RABBIT HASH RD, UNION, KY 41091-8122
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK
Mar 11, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Mar 11, 2020 · Amount on Record
Deed Document Number	2024108
Deed Book / Page	271 / 861
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 28, 2024
Property Address	324 W 19TH ST, COVINGTON, KY 41014-1138
Document Number	0005900108
Book / Page	KC 271 / 861
Instrument Date	Feb 26, 2024
Instrument	24022805900108
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3382 STARBOARD CIR, ERLANGER, KY 41018-2666

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5586 RABBIT HASH RD, UNION, KY 41091-8122

Mortgage

Document Number	0005900109
Date	Feb 28, 2024
Instrument	24022805900109

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	324 W 19TH ST, COVINGTON, KY 41014-1138
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 CLEARBROOK DR, BURLINGTON, KY 41005-9377

Mortgage

Document Number	0005900166
Date	Jun 8, 2022
Book Page	377/948
Instrument	22060805900166

Lender

Name	HEARTLAND BANK
Type	Bank
Address	FT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	May 26, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 11, 2020
Property Address	324 W 19TH ST, COVINGTON, KY 41014-1138
Document Number	0000000161
Book / Page	000011 / 000332
Instrument Date	Feb 26, 2020
Instrument	161
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 W 19TH ST COVINGTON KY 410141138, COVINGTON, KY 41014-1138

Mortgage

Document Number	162
Date	Mar 11, 2020
Book Page	000M18/000460
Instrument	162

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

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		$220,000 (-) Land $10,000 Building $210,000	$220,000 (-) Land $10,000 Building $210,000
2025	$2,915.00 (+125.62%)	$220,000 (+126.8%) Land $5,000 Building $215,000	$220,000 (+126.8%) Land $5,000 Building $215,000
2023	$1,292.00	$97,000 Land $5,000 Building $92,000	$97,000 Land $5,000 Building $92,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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	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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