34 W 5th St, Covington, KY 41011 Property Records

Kenton County property record for 34 W 5th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 12,000 sqft
Lot Size	0.305 acres (13,300 sqft)
Owner	2 Individual Names on File
Last Sale	$71,000 (Jun 2018)
Tax Bill	$6,890 (2025)
Deeds & Mortgages	Feb 2019 Construction Loan Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`054-21-17-013.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-17-013.00`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Stories	1 Story
Building Area	12,000 sqft Finished Area

Exterior

Exterior Material	Brick
Foundation Type	Stone
Lot Area	13,300 sqft (0.305 acres)
Lot Dimensions	190 ft deep x 70 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	34 W 5TH ST
City	COVINGTON
State	KY
Zip	41011-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT OF COV PTS 324 THRU 327 70'X 190' NS 5TH ST 278' W MADISON AVE
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Phase	27
Legal Lot Number	324
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2010
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

34 W 5th St is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	34 W 5TH ST, COVINGTON, KY 41011-1402
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FORCHT BK NA
Jun 12, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on File
Deed Sale	Jun 12, 2018 · Amount on File
Prior Sale	Dec 9, 2010 · Amount on File
Deed Document Number	201806 12 059 00189
Deed Book / Page	6429 / 250
Prior Transfer Date	Aug 13, 2012
Prior Transfer Doc	0005900225
Record Updated	Oct 29, 2026

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Feb 6, 2019
Property Address	34 W 5TH ST, COVINGTON, KY 41011-1402
Book / Page	0C6594 / 000285
Instrument Date	Feb 5, 2019
Instrument	81
Transaction Type	Construction Loan
Record Updated	Feb 15, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 W 5TH ST COVINGTON KY 410111402, COVINGTON, KY 41011-1402

Mortgage

Document Number	0000000081
Date	Feb 6, 2019
Book Page	0C6594/000285
Instrument	81

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 12, 2018
Property Address	34 W 5TH ST, COVINGTON, KY 41011-1402
Document Number	0000000189
Book / Page	0C6429 / 000250
Instrument Date	May 1, 2018
Instrument	189
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$71.00
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	2518 SPRING MILL PL BURLINGTON KY 410058500, BURLINGTON, KY 41005-8500

Tax Assessment & Valuation

The 2025 property tax bill for 34 W 5th St was $6,890.

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		$520,000 (-) Land $15,000 Building $505,000	$520,000 (-) Land $15,000 Building $505,000
2025	$6,890.00	$520,000 Land $100,000 Building $420,000	$520,000 Land $100,000 Building $420,000
2023	$6,926.00 (+0.83%)	$520,000 (-) Land $100,000 Building $420,000	$520,000 (-) Land $100,000 Building $420,000
2022	$6,869.00	$520,000 Land $100,000 Building $420,000	$520,000 Land $100,000 Building $420,000

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

Flood

FEMA maps place 34 W 5th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 34 W 5th St is low, with a 0.01% annual chance of 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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