Kenton County property record for 329 W 20th St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 982 sqft · built 1909 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $62,500 (Jun 1997) |
| Tax Bill | $657 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-12-22-008.00 |
| Primary APN | 055-12-22-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 982 sqft Finished Area |
| Gross Area | 1,080 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 329 W 20TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARD PT LOT 80 |
| Legal Subdivision | HOWARD & CO |
| Legal Lot Number | 80 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 65000 |
329 W 20th St is owned and occupied by two individuals who bought it in June 1997.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 329 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 |
|---|---|
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage CINFED CU |
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG |
| Sep 21, 2018 | Deed of Trust, Mortgage · Line of Credit FEDERAL EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 1997 · Amount on File |
| Deed Sale | Jun 27, 1997 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 329 W 20TH ST, COVINGTON, KY 41014-1109 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900335 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 200/782 |
| Instrument | 21041305900335 |
| Name | CINFED CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Mar 25, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 329 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0000000206 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3526 MYRTLE AVE COVINGTON KY 410151514, COVINGTON, KY 41015-1514 |
| Document Number | 0000000206 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 00M131/000624 |
| Instrument | 206 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 23, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 329 W 20TH ST, COVINGTON, KY 41014-1109 |
| Document Number | 0000000097 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 329 W 20TH ST COVINGTON KY 410141109, COVINGTON, KY 41014-1109 |
| Document Number | 0000000097 |
|---|---|
| Date | Oct 8, 2018 |
| Book Page | 0C6518/000286 |
| Instrument | 97 |
| Name | FEDERAL EMPS CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 7, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 329 W 20th St was $657 with a homeowner's exemption.
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 | $138,100 (+39.92%) Land $10,000 Building $128,100 | $138,100 (+39.92%) Land $10,000 Building $128,100 | |
| 2025 | $657.00 Homeowner's exemption | $98,700 Land $5,000 Building $93,700 | $98,700 Land $5,000 Building $93,700 |
| 2023 | $1,314.00 | $98,700 Land $5,000 Building $93,700 | $98,700 Land $5,000 Building $93,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 329 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 329 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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