409 Scott St, #15, Covington, KY 41011 Property Records

Kenton County property record for 409 Scott St, #15, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 10,000 sqft · built 1911
Lot Size	0.156 acres (6,804 sqft)
Owner	Company Name on File
Last Sale	$250,000 (Feb 2009)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Oct 2017 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-04-009.02`

Property Details

APN / Parcel Number

Primary APN	`054-23-04-009.02`

Interior

Full Baths	2 Baths
Building Area	10,000 sqft Finished Area

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Lot Area	6,804 sqft (0.156 acres)
Lot Dimensions	95 ft deep x 67 ft wide

Location & Zoning

Street Address	409 SCOTT ST, 15
City	COVINGTON
State	KY
Zip	41011-1527
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIGINAL PLAT OF COV PT LOTS 211-212-213 67'X 95' WS SCOTT 48.5' N 1ST ALLEY & 0.006 AC (12X20') QUIET TITLE PARCEL
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Phase	3
Legal Lot Number	211,21
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

409 Scott St, #15 is owned by a company that acquired it in May 2013.

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

Owner of Record	Company Name on File
Mailing Address	6433 GRAND VISTA AVE, CINCINNATI, OH 45213-1117
Owner Type	Company
Vesting	Company

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
Jun 25, 2020	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR
Oct 27, 2017	Grant Deed, Transfer ATTORNEY ONLY
Oct 27, 2017	Trustee's Deed, Construction Loan · Line of Credit REPUBLIC BK&TR
Oct 27, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2009 · Amount on File
Deed Sale	Feb 2, 2009 · Amount on File
Deed Document Number	200902 02 059 00353
Deed Book / Page	3912 / 110
Last Transfer Date	May 9, 2013
Transfer Doc	0005900183
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	409 SCOTT ST # 15, 15, COVINGTON, KY 41011-1527
Document Number	0000000121
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	409 SCOTT ST #15 COVINGTON KY 410111527, 15, COVINGTON, KY 41011-1527

Mortgage

Document Number	0000000121
Date	Jun 26, 2020
Book Page	000M63/000317
Instrument	121

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	601 W MARKET ST, LOUISVILLE, KY 40202-2745

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Jun 25, 2032

Interest

Rate Type	Adjustable Rate

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2017
Property Address	409 SCOTT ST # 15, 15, COVINGTON, KY 41011-1527
Document Number	0C62810011
Book / Page	0C6281 / 000011
Instrument Date	Oct 26, 2017
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6433 GRAND VISTA AVE CINCINNATI OH 452131117, CINCINNATI, OH 45213-1117

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2017
Property Address	409 SCOTT ST # 15, 15, COVINGTON, KY 41011-1527
Book / Page	0C3281 / 000019
Instrument Date	Oct 25, 2017
Instrument	98
Transaction Type	Construction Loan
Record Updated	Aug 28, 2018
Title Company	EXCEL TITLE SERVICES INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6433 GRAND VISTA AVE CINCINNATI OH 452131117, CINCINNATI, OH 45213-1117

Mortgage

Document Number	0000000098
Date	Oct 27, 2017
Book Page	0C3281/000019
Instrument	98

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	661 S HURSTBOURNE PKWY, LOUISVILLE, KY 40222-5079

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 26, 2027

Interest

Rate Type	Adjustable Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2017
Property Address	409 SCOTT ST # 15, 15, COVINGTON, KY 41011-1527
Document Number	0000000095
Book / Page	0C6281 / 000015
Instrument Date	Oct 25, 2017
Instrument	95
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6433 GRAND VISTA AVE CINCINNATI OH 452131117, CINCINNATI, OH 45213-1117

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2017
Property Address	409 SCOTT ST # 15, 15, COVINGTON, KY 41011-1527
Document Number	0000000091
Book / Page	0C6281 / 000011
Instrument Date	Oct 23, 2017
Instrument	91
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6433 GRAND VISTA AVE CINCINNATI OH 452131117, CINCINNATI, OH 45213-1117

Tax Assessment & Valuation

The 2025 property tax bill for 409 Scott St, #15 was $2,915.

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		$270,000 (+22.73%) Land $120,000 Building $150,000	$270,000 (+22.73%) Land $120,000 Building $150,000
2025	$2,915.00	$220,000 Land $100,000 Building $120,000	$220,000 Land $100,000 Building $120,000
2023	$2,930.00	$220,000 Land $100,000 Building $120,000	$220,000 Land $100,000 Building $120,000

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

Flood

FEMA maps place 409 Scott St, #15 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

Wildfire risk around 409 Scott St, #15 is low, with 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 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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