402 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 402 Scott St, Covington, KY 41011

Property Summary

Property Type	Parking Garage, Parking Structure
Lot Size	0.03 acres (1,307 sqft)
Owner	Company Name on File
Last Sale	$1,026 (Jul 2023)
Tax Bill	$596 (2025)
Deeds & Mortgages	Dec 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`054-23-11-001.11`

Property Details

APN / Parcel Number

Primary APN	`054-23-11-001.11`

Exterior

Lot Area	1,307 sqft (0.03 acres)

Location & Zoning

Street Address	402 SCOTT ST
City	COVINGTON
State	KY
Zip	41011
Property Category	Commercial
Property Type	Commercial > Retail > Parking Garage, Parking Structure
Legal Description	BOONE BLOCK LOT 11
Legal Subdivision	BOONE BLOCK
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2001
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

402 Scott St, a commercial property, is owned by a company that bought it in July 2023.

Source: Kenton County records, as of December 2, 2025

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	50 E RIVERCENTER BLVD, 429, COVINGTON, KY 41011-1782
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Prior Sale	Jul 27, 2022 · Amount on File
Deed Document Number	2023339
Deed Book / Page	237 / 985
Record Updated	Oct 29, 2026

December 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 1, 2017
Property Address	402 SCOTT ST, COVINGTON, KY 41011
Document Number	0000000075
Book / Page	0C6305 / 000102
Instrument Date	Nov 30, 2017
Instrument	75
Transaction Type	Construction Loan
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	50 E RIVERCENTER BLVD #429 COVINGTON KY 410111602, 429, COVINGTON, KY 41011-1602

Mortgage

Document Number	77
Date	Dec 1, 2017
Book Page	0C6305/000106
Instrument	77

Lender

Name	HERITAGE BK
Type	Bank
Address	1911 DIXIE HWY, FORT WRIGHT, KY 41011-2607

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	36 Months
Due	Nov 30, 2020

Mortgage

Document Number	80,
Date	Dec 1, 2017
Book Page	6305/000127
Instrument	80

Lender

Name	CATALYTIC DEV FNDG CORP OF N K
Address	50 E RIVERCENTER BLVD # 429

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	36 Months
Due	Nov 30, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 402 Scott St was $596.

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
2025	$596.00	$45,000 Land $40,000 Building $5,000	$45,000 Land $40,000 Building $5,000
2023	$599.00	$45,000 Land $40,000 Building $5,000	$45,000 Land $40,000 Building $5,000

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

Flood

FEMA maps place 402 Scott 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 402 Scott St is low, with less than 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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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