Kenton County property record for 328 W 20th St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 888 sqft · built 1924 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,000 (Oct 2006) |
| Tax Bill | $1,005 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-12-21-010.00 |
| Primary APN | 055-12-21-010.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 888 sqft Finished Area |
| Gross Area | 993 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 328 W 20TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARD PT LOT 92 |
| Legal Subdivision | HOWARD & CO |
| Legal Lot Number | 92 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 65000 |
328 W 20th St is owned by an individual who bought it in October 2006.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2119 JOYCE AVE, NEWPORT, KY 41071-2647 |
| 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 30, 2026 | Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage POSTAL FAMILY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2006 · Amount on File |
| Deed Sale | Oct 13, 2006 · Amount on File |
| Prior Sale | Jul 10, 2006 · Amount on File |
| Deed Document Number | 200610 13 059 00253 |
| Deed Book / Page | 3174 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 30, 2026 |
| Property Address | 328 W 20TH ST, COVINGTON, KY 41014-1110 |
| Document Number | 0000013502 |
| Book / Page | 452 / 862 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202613502 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2119 JOYCE AVE, NEWPORT, KY 41071-2647 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 328 W 20TH ST, COVINGTON, KY 41014-1110 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | PSH TITLE LLC, PRO TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900140 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 301/620 |
| Instrument | 21111605900140 |
| Name | POSTAL FAMILY CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Dec 1, 2028 |
The 2025 property tax bill for 328 W 20th St was $1,005.
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 | $101,300 (+33.47%) Land $10,000 Building $91,300 | $101,300 (+33.47%) Land $10,000 Building $91,300 | |
| 2025 | $1,005.00 | $75,900 Land $5,000 Building $70,900 | $75,900 Land $5,000 Building $70,900 |
| 2023 | $1,011.00 | $75,900 Land $5,000 Building $70,900 | $75,900 Land $5,000 Building $70,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 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 328 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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