Kenton County property record for 324 W 20th St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,048 sqft · built 1904 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,325 (2025) |
| Deeds & Mortgages | Sep 2022 Sale Aug 2022 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-12-21-012.00 |
| Primary APN | 055-12-21-012.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Finished Area |
| Gross Area | 2,108 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 324 W 20TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARD PT LOTS 90-91 |
| Legal Subdivision | HOWARD & CO |
| Legal Lot Number | 90,91 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 65000 |
324 W 20th St is owned by a company that acquired it in July 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 31007, CINCINNATI, OH 45231-0007 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2022 | Warranty Deed, Transfer |
| Aug 26, 2022 | Commissioner's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2023 |
| Deed Sale | Jul 26, 2023 |
| Prior Sale | Sep 22, 2022 · Amount on File |
| Deed Document Number | 2023212 |
| Deed Book / Page | 237 / 853 |
| Prior Transfer Date | Jul 20, 2023 |
| Prior Transfer Doc | 0000000212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 22, 2022 |
| Property Address | 324 W 20TH ST, COVINGTON, KY 41014-1110 |
| Document Number | 0005900145 |
| Book / Page | 191 / 370 |
| Map Reference | PL 104 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 22092205900145 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1508, FLORENCE, KY 41022-1508 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 31007, CINCINNATI, OH 45231-0007 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 26, 2022 |
| Property Address | 324 W 20TH ST, COVINGTON, KY 41014-1110 |
| Document Number | 0005900143 |
| Book / Page | 186 / 337 |
| Instrument Date | Jul 5, 2022 |
| Instrument | 22082605900143 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE # AVE8TH, 230, COVINGTON, KY 41011-1539 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1508, FLORENCE, KY 41022-1508 |
The 2025 property tax bill for 324 W 20th St was $1,325.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $100,000 (-) Land $10,000 Building $90,000 | $100,000 (-) Land $10,000 Building $90,000 | |
| 2025 | $1,325.00 | $100,000 Land $5,000 Building $95,000 | $100,000 Land $5,000 Building $95,000 |
| 2023 | $932.00 | $70,000 Land $5,000 Building $65,000 | $70,000 Land $5,000 Building $65,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 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.
The area around 324 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.
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 |
| 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.
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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