409 W 23rd St, Covington, KY 41014 Property Records

Kenton County property record for 409 W 23rd St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,725 sqft · built 1900
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Tax Bill	$967 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-23-08-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-08-001.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,725 sqft Finished Area
Gross Area	1,797 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)
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 W 23RD ST
City	COVINGTON
State	KY
Zip	41014-1672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTINGTON LOT & IMP CO LOT 217 SEC WARREN & 23RD CENTRAL COV IMP CO ADDN
Legal Subdivision	HUNTINGTON LOT & IMP CO
Legal Lot Number	217
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3009
Census Tract	65000

Owner

Source: Kenton County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	409 W 23RD ST, COVINGTON, KY 41014-1672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 24, 2015
Transfer Doc	0005900347
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	409 W 23RD ST, COVINGTON, KY 41014-1672
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900161
Date	Jul 15, 2021
Book Page	242/412
Instrument	21071505900161

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 25, 2041

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
2025	$967.00 (-0.51%)	$73,000 (-) Land $5,000 Building $68,000	$73,000 (-) Land $5,000 Building $68,000
2023	$972.00	$73,000 Land $5,000 Building $68,000	$73,000 Land $5,000 Building $68,000

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

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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 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