Kenton County property record for 344 E 13th St, Covington, KY 41011
| Property Type | Triplex |
|---|---|
| Details | 3 bd · 3 ba · 2,384 sqft |
| Lot Size | 0.051 acres (2,225 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Apr 2023) |
| Tax Bill | $2,186 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-42-04-021.00 |
| Primary APN | 054-42-04-021.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,384 sqft Finished Area |
| Gross Area | 2,459 sqft |
| Architectural Style | Triplex |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,225 sqft (0.051 acres) |
| Lot Dimensions | 89 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 344 E 13TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3557 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | ADAMS & WHEELER PT LOTS 117-118 25'X 89' NS 13TH 50' W WHEELER |
| Legal Subdivision | ADAMS & WHEELER |
| Legal Lot Number | 117,11 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 67100 |
Source: Kenton County records · APN 054-42-04-021.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 344 E 13TH ST, COVINGTON, KY 41011-3557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Feb 22, 2021 | Deed of Trust, Mortgage HERITAGE SOUTHEAST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 19, 2023 · Amount on Record |
| Deed Sale | Apr 19, 2023 · Amount on Record |
| Prior Sale | Feb 22, 2021 · Amount on Record |
| Deed Document Number | 2023310 |
| Deed Book / Page | 222 / 859 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 19, 2023 |
| Property Address | 344 E 13TH ST, COVINGTON, KY 41011-3557 |
| Document Number | 0005900310 |
| Book / Page | KC 222 / 859 |
| Map Reference | PL 3 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 23041905900310 |
| Transaction Type | Transfer |
| Record Updated | May 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7004 OCONNELL PL, UNION, KY 41091-7544 |
| Name | Verified Name |
|---|---|
| Address | 344 E 13TH ST, COVINGTON, KY 41011-3557 |
| Document Number | 0005900311 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | KCM 455/128 |
| Instrument | 23041905900311 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 344 E 13TH ST, COVINGTON, KY 41011-3557 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7004 OCONNELL PL, UNION, KY 41091-7544 |
| Document Number | 0005900184 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 171/103 |
| Instrument | 21022205900184 |
| Name | HERITAGE SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, KY 41051 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Feb 18, 2036 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,186.00 (+33.46%) | $165,000 (+34.15%) Land $5,000 Building $160,000 | $165,000 (+34.15%) Land $5,000 Building $160,000 |
| 2023 | $1,638.00 | $123,000 Land $5,000 Building $118,000 | $123,000 Land $5,000 Building $118,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Helentown Historic District listed 1987 · 689 contributing resources · NRIS 86003481 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 591 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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