411 W 16th St, Covington, KY 41014 Property Records

Kenton County property record for 411 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 704 sqft · built 1897
Lot Size	0.049 acres (2,150 sqft)
Owner	Individual Name on File
Last Sale	$56,000 (Sep 2020)
Tax Bill	$742 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-11-13-012.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-13-012.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	704 sqft Finished Area
Gross Area	788 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Metal
Lot Area	2,150 sqft (0.049 acres)
Lot Dimensions	86 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	411 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK PT LOTS 2-3 SEC 2 25X86 IRREG
Legal Subdivision	WOODLAND PARK LAND CO
Legal Phase	82
Legal Lot Number	2,3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65000

Owner

411 W 16th St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	411 W 16TH ST, COVINGTON, KY 41014-1001
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
Sep 28, 2020	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA
Sep 29, 2020	Grant Deed, Transfer · Conventional with PMI FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Prior Sale	Jul 12, 2007 · Amount on File
Deed Document Number	20205900248
Deed Book / Page	46 / 424
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	411 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	00M1040600
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	00M1040600
Date	Sep 29, 2020
Book Page	00M104/000600

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 29, 2020
Property Address	411 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000248
Book / Page	000046 / 000424
Instrument Date	Sep 28, 2020
Instrument	248
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	M1040600
Date	Sep 29, 2020
Book Page	00M104/000600

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 411 W 16th St was $742.

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		$90,100 (+60.89%) Land $10,000 Building $80,100	$90,100 (+60.89%) Land $10,000 Building $80,100
2025	$742.00	$56,000 Land $5,000 Building $51,000	$56,000 Land $5,000 Building $51,000
2023	$745.00	$56,000 Land $5,000 Building $51,000	$56,000 Land $5,000 Building $51,000

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

Flood

FEMA maps place 411 W 16th 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 411 W 16th St 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 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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