412 Riverside Dr, #14, Covington, KY 41011 Property Records

Kenton County property record for 412 Riverside Dr, #14, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,940 sqft · built 1886
Lot Size	0.146 acres (6,365 sqft)
Owner	2 Trust Names on File
Last Sale	$675,000 (Jul 1999)
Tax Bill	$15,258 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Aug 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`054-14-18-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-18-002.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,940 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	6,365 sqft (0.146 acres)
Lot Dimensions	134 ft deep x 47.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 RIVERSIDE DR, 14
City	COVINGTON
State	KY
Zip	41011-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT OF COV LOT 4 47.5'X 134'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4012
Census Tract	67000

Historic Designation

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

Historic District	Within the Riverside Drive Historic District listed 1971 · 30 contributing resources · NRIS 71000350

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

Owner

412 Riverside Dr, #14 is owner-occupied and held in a trust since July 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	412 RIVERSIDE DR, COVINGTON, KY 41011-1730
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2018	Grant Deed, Mortgage · Line of Credit SYNOVUS BK
Aug 31, 2018	Deed of Trust, Mortgage TD BK NA
Aug 15, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 1999 · Amount on File
Deed Sale	Jul 13, 1999 · Amount on File
Last Transfer Date	Jul 28, 2025
Transfer Doc	0005900123
Record Updated	Oct 29, 2026

November 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 21, 2018
Property Address	412 RIVERSIDE DR # 14, 14, COVINGTON, KY 41011-1730
Book / Page	0C6549 / 000101
Instrument Date	Nov 19, 2018
Instrument	8
Transaction Type	Mortgage
Record Updated	Dec 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 RIVERSIDE DR COVINGTON KY 410111730, COVINGTON, KY 41011-1730

Mortgage

Document Number	0000000008
Date	Nov 21, 2018
Book Page	0C6549/000101
Instrument	8

Lender

Name	SYNOVUS BK
Type	Bank
Address	201 E MCBEE AVE, GREENVILLE, SC 29601-2883

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Nov 20, 2025

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	412 RIVERSIDE DR # 14, 14, COVINGTON, KY 41011-1730
Document Number	0000000066
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 RIVERSIDE DR COVINGTON KY 410111730, COVINGTON, KY 41011-1730

Mortgage

Document Number	0000000066
Date	Sep 10, 2018
Book Page	0C6497/000266
Instrument	66

Lender

Name	TD BK NA
Type	Bank
Address	PO BOX 1029, GREENVILLE, SC 29602-1029

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 9, 2028

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	412 RIVERSIDE DR # 14, 14, COVINGTON, KY 41011-1730
Document Number	0000000103
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 RIVERSIDE DR COVINGTON KY 410111730, COVINGTON, KY 41011-1730

Mortgage

Document Number	0000000103
Date	Aug 30, 2018
Book Page	0C6490/000104
Instrument	103

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231-4048

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 412 Riverside Dr, #14 was $15,258 with a homeowner's exemption.

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		$1,200,700 (-) Land $150,000 Building $1,050,700	$1,200,700 (-) Land $150,000 Building $1,050,700
2025	$15,258.00 Homeowner's exemption	$1,200,700 Land $150,000 Building $1,050,700	$1,200,700 Land $150,000 Building $1,050,700
2023	$15,375.00 Homeowner's exemption	$1,200,700 Land $150,000 Building $1,050,700	$1,200,700 Land $150,000 Building $1,050,700

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

Flood

FEMA maps place 412 Riverside Dr, #14 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
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 · 4 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 412 Riverside Dr, #14 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 98% of the US · lower than 98.2% 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 326 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Riverside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures