407 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 407 Scott St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 2,160 sqft
Lot Size	0.025 acres (1,071 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Jul 2021)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Jul 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-23-04-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-04-008.00`

Interior

Building Area	2,160 sqft Finished Area

Exterior

Lot Area	1,071 sqft (0.025 acres)
Lot Dimensions	59.5 ft deep x 18 ft wide

Location & Zoning

Street Address	407 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-1527
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	ORIGINAL PLAT OF COV PT LOT 211 18'X 59.5'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	211
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
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

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	Company Name on Record
Mailing Address	830 MADISON AVE, COVINGTON, KY 41011-2414
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2021 · Amount on Record
Deed Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	20215900177
Deed Book / Page	106 / 978
Prior Transfer Date	May 17, 2005
Prior Transfer Doc	0005900007
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 27, 2021
Property Address	407 SCOTT ST, COVINGTON, KY 41011-1527
Document Number	0005900177
Book / Page	106 / 978
Instrument Date	Jul 14, 2021
Instrument	21072705900177
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 131264, COVINGTON, KY 41012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 MADISON AVE, COVINGTON, KY 41011-2414

Mortgage

Document Number	0005900123
Date	Aug 2, 2021
Book Page	250/665
Instrument	21080205900123

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	FLORENCE, KY 41042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 14, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2025	$2,650.00 (-0.53%)	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2023	$2,664.00	$200,000 Land $30,000 Building $170,000	$200,000 Land $30,000 Building $170,000

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 · 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

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	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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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