Kenton County property record for 401 E 20th St, Covington, KY 41014 · Last verified August 2026
| Property Type | Commercial > Retail |
|---|---|
| Square Footage | 300,107 sqft Finished Area |
| Lot Size | 211,702 sqft (4.86 acres) |
| Last Sale | $3,360,000 (2018) |
| Tax Bill | $37,934.00 (2025) |
| Primary APN | 055-32-17-012.00 |
|---|
| Building Area | 300,107 sqft Finished Area |
|---|
| Lot Area | 211,702 sqft (4.86 acres) |
|---|
| Street Address | 401 E 20TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1583 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | HAIS & CO LOTS 1 THRU 7 & 19 THRU 40 & PT LOTS 8 & 13 THRU 18-41-42-46-47 CORNER OF 21ST ST & EASTERN AVE |
| Legal Subdivision | HAIS & CO |
| Legal Lot Number | 40,8 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 1 |
| Census Block | 1019 |
| Census Tract | 61000 |
Source: Kenton County records · APN 055-32-17-012.00
Assessment roll updated December 2, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage CIBC BANK USA |
| Oct 17, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CIBC BANK USA |
| May 09, 2019 | Loan Modification, Mortgage S&T BK |
| May 09, 2019 | Deed of Trust, Mortgage S&T BK |
| Jul 12, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Aug 29, 2017 | Deed of Trust, Mortgage · Line of Credit S&T BK |
| Oct 02, 2017 | Grant Deed, Transfer · Line of Credit S&T BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Oct 02, 2017 |
| Deed Doc Number | 201806 12 059 00116 |
| Deed Book / Page | 6451 / 222 |
| Last Transfer Date | May 12, 2022 |
| Transfer Doc | 0000000033 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1 VALLEY GREENS DR, VALLEY STREAM, NY 11581-3634 |
| Document Number | 0005900169 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | KCM 697/657 |
| Instrument | 25101705900169 |
| Name | CIBC BANK USA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60603 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1 VALLEY GREENS DR, VALLEY STREAM, NY 11581-3634 |
| Document Number | 0005900166 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | KCM 697/623 |
| Instrument | 25101705900166 |
| Name | CIBC BANK USA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60603 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Document Number | 0000000174 |
| Instrument Date | May 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 E 20TH ST COVINGTON KY 410141583, COVINGTON, KY 41014-1583 |
| Document Number | 0000000174 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 0C6662/000071 |
| Instrument | 174 |
| Name | S&T BK |
|---|---|
| Type | Bank |
| Address | HILLIARD, OH 43026 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Document Number | 0000000175 |
| Instrument Date | May 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2019 |
| Title Company | RIVERSIDE ABSTRACT INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 E 20TH ST COVINGTON KY 410141583, COVINGTON, KY 41014-1583 |
| Document Number | 0000000175 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 0C6662/000079 |
| Instrument | 175 |
| Name | S&T BK |
|---|---|
| Type | Bank |
| Address | 4599 CEMETERY RD, HILLIARD, OH 43026-1102 |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | May 16, 2026 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 12, 2018 |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Document Number | 0000000116 |
| Book / Page | 0C6451 / 000222 |
| Instrument Date | May 18, 2018 |
| Instrument | 116 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,360.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 LAST 20TH ST COVINGTON KY 41014, COVINGTON, KY 41014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Document Number | 0000000138 |
| Instrument Date | Aug 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2019 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 E 20TH ST COVINGTON KY 41014, COVINGTON, KY 41014 |
| Document Number | 0000000138 |
|---|---|
| Date | Oct 02, 2017 |
| Book Page | 0C6262/000197 |
| Instrument | 138 |
| Name | S&T BK |
|---|---|
| Type | Bank |
| Address | 6397 EMERALD PKWY # 175, DUBLIN, OH 43016-2202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Oct 01, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Date | Oct 02, 2017 |
|---|---|
| Book Page | 0C6262/000197 |
| Instrument | 138 |
| Name | S&T BK |
|---|---|
| Type | Bank |
| Address | 6397 EMERALD PKWY # 175, DUBLIN, OH 43016-2202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Oct 01, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 02, 2017 |
| Property Address | 401 E 20TH ST, COVINGTON, KY 41014-1583 |
| Document Number | 0000000137 |
| Book / Page | 0C6262 / 000185 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 137 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2020 |
| Title Company | MADISON TITLE AGENCY LLC, MADISON TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 E 20TH ST COVINGTON KY 410141583, COVINGTON, KY 41014-1583 |
| Document Number | 138 |
|---|---|
| Date | Oct 02, 2017 |
| Book Page | 0C6262/000197 |
| Instrument | 138 |
| Name | S&T BK |
|---|---|
| Type | Bank |
| Address | 6397 EMERALD PKWY # 175, DUBLIN, OH 43016-2202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Oct 01, 2024 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 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 | $37,934.00 (-0.53%) | $2,863,000 (-) Land $363,000 Building $2,500,000 | $2,863,000 (-) Land $363,000 Building $2,500,000 |
| 2023 | $38,135.00 | $2,863,000 Land $363,000 Building $2,500,000 | $2,863,000 Land $363,000 Building $2,500,000 |
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