326 W 20th St, Covington, KY 41014 Property Records

Kenton County property record for 326 W 20th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 792 sqft · built 1924
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Sep 2026)
Tax Bill	$938 (2025)
Deeds & Mortgages	Sep 2026 Sale Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-12-21-011.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-21-011.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	792 sqft Finished Area
Gross Area	904 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	326 W 20TH ST
City	COVINGTON
State	KY
Zip	41014-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD PT LOT 91
Legal Subdivision	HOWARD & CO
Legal Lot Number	91
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65000

Owner

326 W 20th St is owned by an individual who bought it in September 2026.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12264 RYLE RD, UNION, KY 41091-8409
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 16, 2018	Warranty Deed, Transfer · FHA Mortgage SIBCY CLINE MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2026 · Amount on File
Deed Sale	Sep 29, 2026 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Document Number	2026092922152
Deed Book / Page	504 / 682
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 29, 2026
Property Address	326 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000022152
Book / Page	504 / 682
Instrument Date	Sep 29, 2026
Instrument	2026092922152
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$8,080.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12264 RYLE RD, UNION, KY 41091-8409
Investor	Possibly a Property Investor

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 16, 2018
Property Address	326 W 20TH ST, COVINGTON, KY 41014-1110
Document Number	0000000065
Book / Page	0C6355 / 000188
Instrument Date	Feb 5, 2018
Instrument	65
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	326 W 20TH ST COVINGTON KY 410141110, COVINGTON, KY 41014-1110

Mortgage

Document Number	66
Date	Feb 16, 2018
Book Page	0C6355/000192
Instrument	66

Lender

Name	SIBCY CLINE MTG SVCS
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2048

Mortgage

Document Number	67,
Date	Feb 16, 2018
Book Page	0C6355/000208
Instrument	67

Lender

Name	SIBCY CLINE MTG SVCS
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 15, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 326 W 20th St was $938.

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		$99,400 (+40.4%) Land $10,000 Building $89,400	$99,400 (+40.4%) Land $10,000 Building $89,400
2025	$938.00	$70,800 Land $5,000 Building $65,800	$70,800 Land $5,000 Building $65,800
2023	$943.00	$70,800 Land $5,000 Building $65,800	$70,800 Land $5,000 Building $65,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 326 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.

Wildfire

The area around 326 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.

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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