405 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 405 Western Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,512 sqft · built 1930
Lot Size	0.107 acres (4,655 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Oct 2020)
Tax Bill	$2,398 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-41-11-005.00`

Property Details

APN / Parcel Number

Primary APN	`040-41-11-005.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,512 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,655 sqft (0.107 acres)
Lot Dimensions	133 ft deep x 35 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVINGTON HGTS LOT 19 & PT LOT 18 35'X 133'
Legal Subdivision	COVINGTON HEIGHTS
Legal Lot Number	19,18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 WESTERN AVE, COVINGTON, KY 41011-1040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2020 · Amount on Record
Deed Sale	Oct 22, 2020 · Amount on Record
Prior Sale	Oct 21, 2008
Deed Document Number	20205900086
Deed Book / Page	50 / 986
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 22, 2020
Property Address	405 WESTERN AVE, COVINGTON, KY 41011-1040
Document Number	0000000086
Book / Page	000050 / 000986
Instrument Date	Oct 14, 2020
Instrument	86
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 WESTERN AVE COVINGTON KY 410111040, COVINGTON, KY 41011-1040

Mortgage

Document Number	87
Date	Oct 22, 2020
Book Page	00M115/000034
Instrument	87

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

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		$181,000 (-) Land $20,000 Building $161,000	$181,000 (-) Land $20,000 Building $161,000
2025	$2,398.00 (-0.5%)	$181,000 (-) Land $20,000 Building $161,000	$181,000 (-) Land $20,000 Building $161,000
2023	$2,410.00	$181,000 Land $20,000 Building $161,000	$181,000 Land $20,000 Building $161,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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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