409 W 9th St, Covington, KY 41011 Property Records

Kenton County property record for 409 W 9th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,739 sqft
Lot Size	0.037 acres (1,590 sqft)
Owner	Company Name on Record
Last Sale	$237,000 (Nov 2022)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-01-004.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-01-004.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,739 sqft Finished Area
Gross Area	2,004 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,590 sqft (0.037 acres)
Lot Dimensions	106 ft deep x 15 ft wide
Garage Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 W 9TH ST
City	COVINGTON
State	KY
Zip	41011-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15X106' SS 9TH 110' W MAIN
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	60700

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1840 SIMON KENTON WAY, COVINGTON, KY 41011-3679
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Oct 13, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 22, 2018	Grant Deed, Transfer · FHA Mortgage CENTRAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Prior Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	2022168
Deed Book / Page	200 / 589
Last Transfer Date	Oct 24, 2025
Transfer Doc	0000000166
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 16, 2022
Property Address	409 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0005900168
Book / Page	200 / 589
Instrument Date	Nov 7, 2022
Instrument	22111605900168
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	FIDELITY LAND AND TITLE, FIDELITY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
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	3220 IRVING AVE S # S2, 3220, MINNEAPOLIS, MN 55408-3318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W 9TH ST, COVINGTON, KY 41011-2144

Mortgage

Document Number	0005900169
Date	Nov 16, 2022
Instrument	22111605900169

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	409 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0000000017
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 W 9TH ST COVINGTON KY 410112144, COVINGTON, KY 41011-2144

Mortgage

Document Number	0000000017
Date	Oct 21, 2020
Book Page	00M114/000176
Instrument	17

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 22, 2018
Property Address	409 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0000000124
Book / Page	0C6436 / 000226
Instrument Date	Jun 22, 2018
Instrument	124
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 W 9TH ST COVINGTON KY 410112144, COVINGTON, KY 41011-2144

Mortgage

Document Number	126
Date	Jun 22, 2018
Book Page	0C6436/000229
Instrument	126

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

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
2026		$237,000 (-) Land $10,000 Building $227,000	$237,000 (-) Land $10,000 Building $227,000
2025	$3,140.00 (-0.51%)	$237,000 (-) Land $10,000 Building $227,000	$237,000 (-) Land $10,000 Building $227,000
2023	$3,156.00	$237,000 Land $10,000 Building $227,000	$237,000 Land $10,000 Building $227,000

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 · 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	4 (1997–2025)
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

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	Indirect within 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 607 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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