401 W 9th St, Covington, KY 41011 Property Records

Kenton County property record for 401 W 9th St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	6 bd · 5 ba · 3,300 sqft · built 1880
Lot Size	0.038 acres (1,650 sqft)
Owner	Company Name on File
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-01-006.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-01-006.00`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	3,300 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Triplex
Exterior Material	Brick
Foundation Type	Stone
Lot Area	1,650 sqft (0.038 acres)
Lot Dimensions	75 ft deep x 22 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 W 9TH ST
City	COVINGTON
State	KY
Zip	41011-4809
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	22X75' SWC 9TH & MAIN
Legal Subdivision	LEWIS
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	60700

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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

Owner

401 W 9th St, a triplex, is owned by a company that acquired it in October 2025.

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 File
Mailing Address	1840 SIMON KENTON WAY, COVINGTON, KY 41011-3679
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
May 13, 2021	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
Jul 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS FEDERAL S&L ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 24, 2025
Transfer Doc	0000000166
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	401 W 9TH ST, COVINGTON, KY 41011-4809
Transaction Type	Mortgage
Record Updated	Sep 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 W 6TH ST, COVINGTON, KY 41011-1213

Mortgage

Document Number	0005900253
Date	Aug 18, 2021
Book Page	259/41
Instrument	21081805900253

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jul 9, 2031

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	401 W 9TH ST, COVINGTON, KY 41011-4809
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 W 6TH ST, COVINGTON, KY 41011-1213

Mortgage

Document Number	0005900196
Date	May 13, 2021
Book Page	215/219
Instrument	21051305900196

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 11, 2031

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	401 W 9TH ST, COVINGTON, KY 41011-4809
Document Number	0000000093
Book / Page	0C6202 / 000124
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 4, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 W 9TH ST COVINGTON KY 410114809, COVINGTON, KY 41011-4809

Mortgage

Document Number	0000000093
Date	Jul 17, 2017
Book Page	0C6202/000124
Instrument	93

Lender

Name	CITIZENS FEDERAL S&L ASSN
Address	433 MADISON AVE, COVINGTON, KY 41011-1519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 16, 2037

Interest

Rate Type	Adjustable Rate

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		$260,000 (+92.59%) Land $10,000 Building $250,000	$260,000 (+92.59%) Land $10,000 Building $250,000
2025	$1,788.00 (-0.56%)	$135,000 (-) Land $10,000 Building $125,000	$135,000 (-) Land $10,000 Building $125,000
2023	$1,798.00	$135,000 Land $10,000 Building $125,000	$135,000 Land $10,000 Building $125,000

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

Flood

FEMA maps place 401 W 9th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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	4 (1997–2025)
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 401 W 9th 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	Indirect within 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 607 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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