413 W 8th St, Covington, KY 41011 Property Records

Kenton County property record for 413 W 8th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,764 sqft · built 1850
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Dec 2022)
Tax Bill	$5,366 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-005.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-005.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	11 Units
Stories	2 Stories
Building Area	1,764 sqft Finished Area

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	150 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	413 W 8TH ST
City	COVINGTON
State	KY
Zip	41011-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO PT LOT 35
Legal Subdivision	HOWK GEO
Legal Lot Number	35
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
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

413 W 8th St is owned by an individual who bought it in December 2022.

Source: Kenton County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1722 MAIN ST, 5, CINCINNATI, OH 45202-0962
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2022 · Amount on File
Deed Sale	Dec 6, 2022 · Amount on File
Prior Sale	Apr 28, 2016 · Amount on File
Deed Document Number	2022100
Deed Book / Page	203 / 768
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 6, 2022
Property Address	413 W 8TH ST, COVINGTON, KY 41011-1319
Document Number	0005900100
Book / Page	KC 203 / 768
Instrument Date	Dec 2, 2022
Instrument	22120605900100
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	TITLE ONE AGENCY INC

Transaction

Amount	Amount on Record
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	121 E NORTH ST, CINCINNATI, OH 45215-3613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1722 MAIN ST APT 5, 5, CINCINNATI, OH 45202-0962

Mortgage

Document Number	0005900101
Date	Dec 6, 2022
Book Page	426/297
Instrument	22120605900101

Lender

Name	FINANCIAL ONE MORTGAGE CORPORATION
Type	Mortgage Company
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 413 W 8th St was $5,366.

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		$405,000 (-) Land $10,000 Building $395,000	$405,000 (-) Land $10,000 Building $395,000
2025	$5,366.00	$405,000 Land $5,000 Building $400,000	$405,000 Land $5,000 Building $400,000
2023	$5,394.00	$405,000 Land $5,000 Building $400,000	$405,000 Land $5,000 Building $400,000

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

Flood

FEMA maps place 413 W 8th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 413 W 8th 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	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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