414 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 414 Scott St, Covington, KY 41011

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · built 2017
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jul 2015)
Tax Bill	$4,777 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-11-001.05`

Property Details

APN / Parcel Number

Primary APN	`054-23-11-001.05`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	3 Stories

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Townhouse
Exterior Material	Brick
Foundation Type	Stone
Lot Area	871 sqft (0.02 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	414 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-1528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	BOONE BLOCK LOT 5
Legal Subdivision	BOONE BLOCK
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2001
Census Tract	67000

Historic Designation

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

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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	414 SCOTT ST, COVINGTON, KY 41011-1528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP
Apr 20, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2015 · Amount on Record
Deed Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	201507 28 059 00383
Deed Book / Page	5700 / 308
Last Transfer Date	May 14, 2021
Transfer Doc	0005900261
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jun 1, 2021
Property Address	414 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0005900261
Book / Page	94 / 248
Map Reference	PL 2162
Instrument Date	May 14, 2021
Instrument	21060105900261
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	NOT AVAILABLE, RESEARCH TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 SCOTT ST, COVINGTON, KY 41011-1528

Mortgage

Document Number	0005900262
Date	Jun 1, 2021
Instrument	21060105900262

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2017
Property Address	414 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000083
Book / Page	0C6140 / 000153
Instrument Date	Apr 13, 2017
Instrument	83
Transaction Type	Subdivision Related Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 SCOTT ST COVINGTON KY 410111528, COVINGTON, KY 41011-1528

Mortgage

Document Number	84
Date	Apr 20, 2017
Book Page	0C6140/000156
Instrument	84

Lender

Name	HOMESERVICES LNDG
Address	DES MOINES, IA 50266

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2047

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		$360,600 (-) Land $20,000 Building $340,600	$360,600 (-) Land $20,000 Building $340,600
2025	$4,777.00 (-0.54%)	$360,600 (-) Land $15,000 Building $345,600	$360,600 (-) Land $15,000 Building $345,600
2023	$4,803.00	$360,600 Land $15,000 Building $345,600	$360,600 Land $15,000 Building $345,600

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 · 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	3 (1978–2025)
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 97% of the US · lower than 97.3% 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.

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