38 Pike St, Covington, KY 41011 Property Records

Kenton County property record for 38 Pike St, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,000 sqft · built 1901
Lot Size	0.052 acres (2,265 sqft)
Owner	Company Name on Record
Last Sale	$3,450,000 (Mar 2020)
Tax Bill	$2,957 (2025)
Deeds & Mortgages	Mar 2020 Sale & Line of Credit Mar 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-22-021.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-22-021.00`

Interior

Building Area	4,000 sqft Finished Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Lot Area	2,265 sqft (0.052 acres)

Location & Zoning

Street Address	38 PIKE ST
City	COVINGTON
State	KY
Zip	41011-2308
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	FOOTES ADDN PT LOT 16 24.763' N OF PIKE 53.832' FROM WASHINGTON BEING 0.052 ACS
Legal Subdivision	FOOTES ADDN
Legal Lot Number	16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2026
Census Tract	67000

Historic Designation

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

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	419 GREENUP ST, COVINGTON, KY 41011-2519
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2020	Grant Deed, Transfer · Line of Credit GENERAL ELECTRIC CU
Mar 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 13, 2020	Loan Modification, Mortgage GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2020 · Amount on Record
Deed Sale	Mar 16, 2020 · Amount on Record
Prior Sale	Mar 16, 2020 · Amount on Record
Deed Document Number	20205900128
Deed Book / Page	11 / 943
Prior Transfer Date	Feb 28, 2010
Prior Transfer Doc	0005900237
Record Updated	Oct 29, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 16, 2020
Property Address	38 PIKE ST, COVINGTON, KY 41011-2308
Document Number	0000000128
Book / Page	000011 / 000943
Instrument Date	Feb 21, 2020
Instrument	128
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	OUR TITLE COMPANY, OUR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,450.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 RIVERSIDE PL #201 COVINGTON KY 410115703, 201, COVINGTON, KY 41011-5703

Mortgage

Document Number	129
Date	Mar 16, 2020
Book Page	000020/000140
Instrument	129

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	11370 REED HARTMAN HWY, BLUE ASH, OH 45241-2430

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 16, 2020
Property Address	38 PIKE ST, COVINGTON, KY 41011-2308
Document Number	0000000127
Book / Page	000011 / 000940
Instrument Date	Feb 21, 2020
Instrument	127
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$223.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	421 GARRARD ST COVINGTON KY 410113698, COVINGTON, KY 41011-3698

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	38 PIKE ST, COVINGTON, KY 41011-2308
Document Number	0000290465
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 RIVERSIDE PL COVINGTON KY 410115700, COVINGTON, KY 41011-5700

Mortgage

Document Number	0000290465
Date	Apr 7, 2020
Book Page	000029/000465

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	11370 REED HARTMAN HWY, BLUE ASH, OH 45241-2430

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Apr 6, 2027

Tax Assessment & Valuation

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		$248,000 (+11.11%) Land $38,000 Building $210,000	$248,000 (+11.11%) Land $38,000 Building $210,000
2025	$2,957.00 (-0.54%)	$223,200 (-) Land $30,000 Building $193,200	$223,200 (-) Land $30,000 Building $193,200
2023	$2,973.00	$223,200 Land $30,000 Building $193,200	$223,200 Land $30,000 Building $193,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 656 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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