Kenton County property record for 407 W 22nd St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,184 sqft · built 1911 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Company Name on Record |
| Last Sale | $40,000 (Aug 2025) |
| Tax Bill | $530 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-03-004.00 |
| Primary APN | 055-23-03-004.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,184 sqft Finished Area |
| Gross Area | 1,364 sqft |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Garage Type | Detached |
| Garage Area | 145 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 407 W 22ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAMBERT WM LOT 5 |
| Legal Subdivision | LAMBERT WM |
| Legal Lot Number | 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 65000 |
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 Record |
|---|---|
| Mailing Address | 1671 PARK RD, 12, COVINGTON, KY 41011-2769 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jan 18, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 8, 2021 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Nov 7, 2019 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2025 · Amount on Record |
| Deed Sale | Aug 26, 2025 · Amount on Record |
| Prior Sale | Apr 8, 2021 · Amount on Record |
| Deed Document Number | 202551 |
| Deed Book / Page | 359 / 757 |
| Prior Transfer Date | Jan 13, 2022 |
| Prior Transfer Doc | 0005900284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 407 W 22ND ST, COVINGTON, KY 41014-1605 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 10804 AUTUMNRIDGE DR, INDEPENDENCE, KY 41051-7975 |
| Document Number | 0000005070 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 399/831 |
| Instrument | 26059000005070 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 407 W 22ND ST, COVINGTON, KY 41014-1605 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005900015 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 346/796 |
| Instrument | 22031005900015 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 18, 2022 |
| Property Address | 407 W 22ND ST, COVINGTON, KY 41014-1605 |
| Document Number | 0005900284 |
| Book / Page | 143 / 454 |
| Map Reference | PL 16 |
| Instrument Date | Dec 31, 2021 |
| Instrument | 22011805900284 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1671 PACE RD, 1671, FORT MITCHELL, KY 41011 |
| Name | Verified Name |
|---|---|
| Address | 1671 PARK RD STE 12, 12, FT MITCHELL, KY 41011-2769 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 8, 2021 |
| Property Address | 407 W 22ND ST, COVINGTON, KY 41014-1605 |
| Document Number | 0005900178 |
| Book / Page | 83 / 153 |
| Map Reference | PL 16 |
| Instrument Date | Apr 2, 2021 |
| Instrument | 21040805900178 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 60 SURREY CT, 60, FLORENCE, KY 41042-9302 |
| Name | Verified Name |
|---|---|
| Address | 1671 PARK RD STE 12, 12, COVINGTON, KY 41011-2769 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 7, 2019 |
| Property Address | 407 W 22ND ST, COVINGTON, KY 41014-1605 |
| Document Number | 0000000008 |
| Book / Page | 0C6796 / 000124 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 8 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 60 SURREY CT FLEMINGSBURG KY 41041, FLEMINGSBURG, KY 41041 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $126,500 (+216.25%) Land $10,000 Building $116,500 | $126,500 (+216.25%) Land $10,000 Building $116,500 | |
| 2025 | $530.00 (-0.38%) | $40,000 (-) Land $5,000 Building $35,000 | $40,000 (-) Land $5,000 Building $35,000 |
| 2023 | $532.00 | $40,000 Land $5,000 Building $35,000 | $40,000 Land $5,000 Building $35,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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