409 Hawthorne St, Covington, KY 41014 Property Records

Kenton County property record for 409 Hawthorne St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 860 sqft
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2023)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`055-12-11-003.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-11-003.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	860 sqft Finished Area
Gross Area	980 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	150 ft deep x 24 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 HAWTHORNE ST
City	COVINGTON
State	KY
Zip	41014-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORN ADDN REAR PT LOTS 38-39
Legal Subdivision	HAWTHORN ADDN
Legal Lot Number	38,39
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4016
Census Tract	65000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Peaselburg Neighborhood Historic District listed 2017 · 544 contributing resources · NRIS 16000501

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

409 Hawthorne St is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	409 HAWTHORNE ST, COVINGTON, KY 41014-1025
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
Apr 10, 2023	Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING
Dec 2, 2020	Grant Deed, Construction Loan · Construction Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Dec 2, 2020 · Amount on File
Deed Document Number	202368
Deed Book / Page	221 / 231
Prior Transfer Date	Aug 15, 2007
Prior Transfer Doc	0005900215
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 10, 2023
Property Address	409 HAWTHORNE ST, COVINGTON, KY 41014-1025
Document Number	0005900068
Book / Page	KC 221 / 231
Instrument Date	Apr 6, 2023
Instrument	23041005900068
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2124 WOODHAVEN CT, VILLA HILLS, KY 41017-3784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HAWTHORNE ST, COVINGTON, KY 41014-1025

Mortgage

Document Number	0005900069
Date	Apr 10, 2023
Book Page	KCM 452/524
Instrument	23041005900069

Lender

Name	ONPOINT HOME LENDING
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

December 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 2, 2020
Property Address	409 HAWTHORNE ST, COVINGTON, KY 41014-1025
Document Number	0000000182
Book / Page	000058 / 000773
Instrument Date	Dec 1, 2020
Instrument	182
Transaction Type	Construction Loan
Record Updated	Dec 30, 2020
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2124 WOODHAVEN CT VILLA HILLS KY 410173784, VILLA HILLS, KY 41017-3784

Mortgage

Document Number	183
Date	Dec 2, 2020
Book Page	00M134/000359
Instrument	183

Lender

Name	HERITAGE BK
Type	Bank
Address	HEBRON, KY 41048

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 Hawthorne St was $2,252.

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		$170,000 (-) Land $10,000 Building $160,000	$170,000 (-) Land $10,000 Building $160,000
2025	$2,252.00	$170,000 Land $5,000 Building $165,000	$170,000 Land $5,000 Building $165,000
2023	$865.00	$65,000 Land $5,000 Building $60,000	$65,000 Land $5,000 Building $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 409 Hawthorne St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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

Wildfire risk around 409 Hawthorne St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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