Kenton County property record for 325 W 20th St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 784 sqft · built 1924 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $20,000 (Jan 2020) |
| Tax Bill | $728 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Oct 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-12-22-006.00 |
| Primary APN | 055-12-22-006.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 784 sqft Finished Area |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,614 sqft (0.06 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 325 W 20TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARD PT LOT 79 |
| Legal Subdivision | HOWARD & CO |
| Legal Lot Number | 79 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 65000 |
325 W 20th St is owned and occupied by an individual who bought it in January 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 325 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.
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Oct 4, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jan 27, 2020 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2020 · Amount on File |
| Deed Sale | Jan 27, 2020 · Amount on File |
| Deed Document Number | 2020122 |
| Deed Book / Page | 4 / 12 |
| Prior Transfer Date | Oct 7, 2009 |
| Prior Transfer Doc | 0005900285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 18, 2026 |
| Property Address | 325 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0000012836 |
| Book / Page | 448 / 391 |
| Instrument Date | May 28, 2026 |
| Instrument | 202612836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 325 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0000012836, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 448/391 |
| Instrument | 202612836 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 28, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 325 W 20TH ST, COVINGTON, KY 41014-1109 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 325 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0005900277 |
|---|---|
| Date | Oct 4, 2023 |
| Book Page | KCM 497/614 |
| Instrument | 23100405900277 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 27, 2020 |
| Property Address | 325 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0000000122 |
| Book / Page | 000004 / 000012 |
| Instrument Date | Jan 24, 2020 |
| Instrument | 122 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 325 W 20TH ST COVINGTON KY 410141109, COVINGTON, KY 41014-1109 |
The 2025 property tax bill for 325 W 20th St was $728.
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 | $96,000 (+74.55%) Land $10,000 Building $86,000 | $96,000 (+74.55%) Land $10,000 Building $86,000 | |
| 2025 | $728.00 | $55,000 Land $5,000 Building $50,000 | $55,000 Land $5,000 Building $50,000 |
| 2023 | $732.00 | $55,000 Land $5,000 Building $50,000 | $55,000 Land $5,000 Building $50,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 325 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 325 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 465 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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