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

Kenton County property record for 412 W 9th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,054 sqft · built 1886
Lot Size	0.046 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Nov 2024)
Tax Bill	$3,842 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`040-44-16-011.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-16-011.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,054 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,000 sqft (0.046 acres)
Lot Dimensions	80 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	412 W 9TH ST
City	COVINGTON
State	KY
Zip	41011-2145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO LOT 4 25'X 80'
Legal Subdivision	HOWK GEO
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
Census Tract	60300

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	97 MULBERRY ST, 2, CINCINNATI, OH 45202-5331
Owner Type	Individual
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage CV3 FINANCIAL SERVICES LLC
Nov 12, 2024	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Nov 30, 2012 · Amount on Record
Deed Document Number	2024131
Deed Book / Page	313 / 781
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	412 W 9TH ST, COVINGTON, KY 41011-2145
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 LORAINE AVE 2, 2, CINCINNATI, OH 45220-1788

Mortgage

Document Number	0005900072
Date	Nov 12, 2025
Book Page	KCM 705/242
Instrument	25111205900072

Lender

Name	CV3 FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	EL SEGUNDO, CA 90245

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 12, 2024
Property Address	412 W 9TH ST, COVINGTON, KY 41011-2145
Document Number	0005900131
Book / Page	KC 313 / 781
Map Reference	PL 245
Instrument Date	Oct 21, 2024
Instrument	24111205900131
Transaction Type	Construction Loan
Record Updated	Nov 28, 2025
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 LORAINE AVE APT 2, 2, CINCINNATI, OH 45220-1788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MULBERRY ST # 2, 2, CINCINNATI, OH 45202-8922

Mortgage

Document Number	0005900132
Date	Nov 12, 2024
Instrument	24111205900132

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$290,000 (-) Land $10,000 Building $280,000	$290,000 (-) Land $10,000 Building $280,000
2025	$3,842.00 (+140.43%)	$290,000 (+141.67%) Land $5,000 Building $285,000	$290,000 (+141.67%) Land $5,000 Building $285,000
2023	$1,598.00	$120,000 Land $5,000 Building $115,000	$120,000 Land $5,000 Building $115,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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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