325 Orchard St, Covington, KY 41011 Property Records

Kenton County property record for 325 Orchard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 800 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Owner Name on Record
Last Sale	$90,000 (Dec 2014)
Tax Bill	$809 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-18-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-18-003.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Finished Area

Exterior

Year Built	Built 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	82 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542218003.00
Street Address	325 ORCHARD ST
City	COVINGTON
State	KY
Zip	41011-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDDLES 2ND E 20' LOT 12 & W 5' LOT 11
Legal Subdivision	RIDDLES
Legal Phase	2
Legal Lot Number	11,12
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	60700

Historic Designation

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

Historic District	Within the Lee-Holman Historic District listed 1996 · 152 contributing resources · NRIS 96000798

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 November 27, 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 Record
Mailing Address	325 ORCHARD ST, COVINGTON, KY 41011-2220
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Dec 15, 2014 · Amount on Record
Deed Sale	Dec 15, 2014 · Amount on Record
Prior Sale	Nov 30, 2007
Deed Document Number	0005552301
Deed Book / Page	5552 / 301
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	325 ORCHARD ST, COVINGTON, KY 41011-2220
Document Number	0000000006
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220

Mortgage

Document Number	0000000006
Date	Feb 14, 2020
Book Page	000M11/000886
Instrument	6

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$809.00 (-4.71%) Homeowner's exemption	$110,200 (-) Land $5,000 Building $105,200	$110,200 (-) Land $5,000 Building $105,200
2023	$849.00 Homeowner's exemption	$110,200 Land $5,000 Building $105,200	$110,200 Land $5,000 Building $105,200

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 720 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30