40 W 6th St, Covington, KY 41011 Property Records

Kenton County property record for 40 W 6th St, Covington, KY 41011

Property Summary

Property Type	Cemetery, Funeral Home, Mortuary
Details	3 ba · 3,209 sqft · built 1920
Lot Size	0.309 acres (13,460 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Oct 2003)
Tax Bill	$3,405 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-21-015.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-21-015.00`

Interior

Total Rooms	9 Rooms
Building Area	3,209 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	13,460 sqft (0.309 acres)

Location & Zoning

Street Address	40 W 6TH ST
City	COVINGTON
State	KY
Zip	41011-1408
Property Category	Commercial
Property Type	Commercial > Retail > Cemetery, Funeral Home, Mortuary
Legal Description	MONTGOMERY UNNUMBERED LOT & PT LOTS 333 THRU 335 COV OLD PLAT 0.309 ACS NS W 6TH AT WASHINGTON
Legal Subdivision	MONTGOMERY SH
Legal Phase	35
Legal Lot Number	333-335
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2020
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

40 W 6th St, a commercial property, is owned by a company that bought it in October 2003.

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

Owner of Record	Company Name on File
Mailing Address	30 COMMONWEALTH AVE, ERLANGER, KY 41018-1742
Owner Type	Company
Vesting	Company

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
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2003 · Amount on File
Deed Sale	Oct 2, 2003 · Amount on File
Prior Sale	Jul 1, 1997 · Amount on File
Deed Document Number	200310 02 059 00471
Deed Book / Page	1879 / 316
Prior Transfer Date	Oct 1, 2003
Prior Transfer Doc	1027059003
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 W 6TH ST, COVINGTON, KY 41011-1408
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COMMONWEALTH AVE, ERLANGER, KY 41018-1742

Mortgage

Document Number	0005900011
Date	Apr 6, 2021
Book Page	196/205
Instrument	21040605900011

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Mar 31, 2028

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 W 6TH ST, COVINGTON, KY 41011-1408
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COMMONWEALTH AVE, ERLANGER, KY 41018-1742

Mortgage

Document Number	0005900121
Date	Apr 6, 2021
Book Page	196/677
Instrument	21040605900121

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Mar 27, 2031

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 W 6TH ST, COVINGTON, KY 41011-1408
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COMMONWEALTH AVE, EDGEWOOD, KY 41018-1742

Mortgage

Document Number	0005900013
Date	Apr 6, 2021
Book Page	82/460
Instrument	21040605900013

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Mar 31, 2028

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 W 6TH ST, COVINGTON, KY 41011-1408
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COMMONWEALTH AVE, EDGEWOOD, KY 41018-1742

Mortgage

Document Number	0005900123
Date	Apr 6, 2021
Book Page	82/612
Instrument	21040605900123

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 40 W 6th St was $3,405.

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		$274,000 (+6.61%) Land $150,000 Building $124,000	$274,000 (+6.61%) Land $150,000 Building $124,000
2025	$3,405.00	$257,000 Land $150,000 Building $107,000	$257,000 Land $150,000 Building $107,000
2023	$3,423.00	$257,000 Land $150,000 Building $107,000	$257,000 Land $150,000 Building $107,000

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

Flood

FEMA maps place 40 W 6th 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 40 W 6th 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 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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