Kenton County property record for 408 W 22nd St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,077 sqft |
| Lot Size | 0.05 acres (2,170 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Oct 2022) |
| Tax Bill | $2,186 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-03-022.00 |
| Primary APN | 055-21-03-022.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,077 sqft Finished Area |
| Gross Area | 1,143 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Foundation Type | Stone |
| Lot Area | 2,170 sqft (0.05 acres) |
| Lot Dimensions | 86.8 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 408 W 22ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOOAR DANIEL PT LOTS 42-43 25'X 86.75' NS 22ND 79.35' W HOWELL |
| Legal Subdivision | MOOAR DANIEL |
| Legal Lot Number | 42,43 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 65000 |
408 W 22nd St is owned and occupied by an individual who bought it in October 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 408 W 22ND ST, COVINGTON, KY 41014-1606 |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed, Transfer · VA Mortgage OPTION FINANCIAL LLC |
| Mar 16, 2022 | Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2022 · Amount on File |
| Deed Sale | Oct 4, 2022 · Amount on File |
| Prior Sale | Mar 16, 2022 · Amount on File |
| Deed Document Number | 2022195 |
| Deed Book / Page | 192 / 994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 4, 2022 |
| Property Address | 408 W 22ND ST, COVINGTON, KY 41014-1606 |
| Document Number | 0005900195 |
| Book / Page | 192 / 994 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 22100405900195 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4906 CHALET DR, 4906, CINCINNATI, OH 45217-1457 |
| Name | Verified Name |
|---|---|
| Address | 408 W 22ND ST, COVINGTON, KY 41014-1606 |
| Document Number | 0005900196 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 412/83 |
| Instrument | 22100405900196 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45247 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 16, 2022 |
| Property Address | 408 W 22ND ST, COVINGTON, KY 41014-1606 |
| Document Number | 0005900054 |
| Book / Page | 153 / 692 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 22031605900054 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $53.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4521 HUNTINGTON AVE, 4521, COVINGTON, KY 41015-1830 |
| Name | Verified Name |
|---|---|
| Address | 6457 GLENWAY AVE # 112, 112, CINCINNATI, OH 45211-5233 |
The 2025 property tax bill for 408 W 22nd St was $2,186.
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 | $165,000 (-) Land $10,000 Building $155,000 | $165,000 (-) Land $10,000 Building $155,000 | |
| 2025 | $2,186.00 | $165,000 Land $5,000 Building $160,000 | $165,000 Land $5,000 Building $160,000 |
| 2023 | $2,197.00 | $165,000 Land $5,000 Building $160,000 | $165,000 Land $5,000 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 W 22nd St in Zone X, an area of minimal flood risk.
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.
The area around 408 W 22nd St 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.
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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