406 Dicky Beal Dr, Covington, KY 41011 Property Records

Kenton County property record for 406 Dicky Beal Dr, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 900 sqft · built 1985
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$41,000 (Mar 2004)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-42-09-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-42-09-003.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	900 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Slate
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 DICKY BEAL DR
City	COVINGTON
State	KY
Zip	41011-3279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DICKY BEAL SEC 1 LOT 2
Legal Subdivision	BEAL DICKY
Legal Phase	1
Legal Lot Number	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	67100

Owner

406 Dicky Beal Dr is owned and occupied by an individual who bought it in March 2004.

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

Owner of Record	Individual Name on File
Mailing Address	406 DICKY BEAL DR, COVINGTON, KY 41011-3279
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage CINFED CU
Oct 23, 2018	Deed of Trust, Mortgage · Line of Credit CINFED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2004 · Amount on File
Deed Sale	Mar 11, 2004 · Amount on File
Deed Document Number	200403 11 059 00054
Deed Book / Page	2083 / 258
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	406 DICKY BEAL DR, COVINGTON, KY 41011-3279
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 DICKY BEAL DR, COVINGTON, KY 41011-3279

Mortgage

Document Number	0000002255
Date	Feb 4, 2026
Book Page	731/118
Instrument	26059000002255

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	5%
Max Rate At Change	9%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	406 DICKIE BEAL DR, COVINGTON, KY 41011-3279
Document Number	0000000109
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 DICKIE BEAL DR COVINGTON KY 410113279, COVINGTON, KY 41011-3279

Mortgage

Document Number	0000000109
Date	Nov 2, 2018
Book Page	0C6537/000343
Instrument	109

Lender

Name	CINFED FCU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2038

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	Assessed Value	Assessed Market Value
2026	$85,600 (+90.22%) Land $10,000 Building $75,600	$85,600 (+90.22%) Land $10,000 Building $75,600
2025	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000
2023	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000

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

Flood

FEMA maps place 406 Dicky Beal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 406 Dicky Beal Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 591 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

May also be available: T-Mobile, Verizon.

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