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

Kenton County property record for 415 W 9th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,527 sqft · built 1904
Lot Size	0.061 acres (2,650 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Oct 2024)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-01-001.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-01-001.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,527 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	2,650 sqft (0.061 acres)
Lot Dimensions	106 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 W 9TH ST
City	COVINGTON
State	KY
Zip	41011-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X106 UNNUM LOT UN SUB SS 9TH 175FT W MAIN ST
Legal Subdivision	UN SUB
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	60700

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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2024	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORPORATION
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BK NA
Nov 22, 2016	Deed of Trust, Mortgage NEWTEK SMALL BUSN FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on Record
Deed Sale	Oct 2, 2024 · Amount on Record
Prior Sale	Jul 16, 2024 · Amount on Record
Deed Document Number	202476
Deed Book / Page	307 / 911
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 16, 2024
Property Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0005900005
Book / Page	KC 294 / 670
Instrument Date	Jul 12, 2024
Instrument	24071605900005
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
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	TRENKAMP ROAD, UNION, KY 41091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900006
Date	Jul 16, 2024
Instrument	24071605900006

Lender

Name	STOCKTON MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W 9TH ST, COVINGTON, KY 41011-2144

Mortgage

Document Number	0005900052
Date	Apr 10, 2023
Book Page	KCM 452/481
Instrument	23041005900052

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2053

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 6, 2020
Property Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0000000278
Book / Page	000001 / 000168
Instrument Date	Dec 30, 2019
Instrument	278
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W 9TH ST COVINGTON KY 410112144, COVINGTON, KY 41011-2144

Mortgage

Document Number	279
Date	Jan 6, 2020
Book Page	0000M1/000397
Instrument	279

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	415 W 9TH ST, COVINGTON, KY 41011-2144
Document Number	0000000113
Book / Page	0C6093 / 000199
Instrument Date	Nov 22, 2016
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	TITLEVEST AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W 9TH ST COVINGTON KY 410112144, COVINGTON, KY 41011-2144

Mortgage

Document Number	0000000113
Date	Feb 9, 2017
Book Page	0C6093/000199
Instrument	113

Lender

Name	NEWTEK SMALL BUSN FIN
Type	Funding / Finance Company
Address	LAKE SUCCESS, NY 11042

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 8, 2042

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		$390,000 (-) Land $10,000 Building $380,000	$390,000 (-) Land $10,000 Building $380,000
2025	$5,167.00 (+16.06%)	$390,000 (+16.66%) Land $10,000 Building $380,000	$390,000 (+16.66%) Land $10,000 Building $380,000
2023	$4,452.00	$334,300 Land $10,000 Building $324,300	$334,300 Land $10,000 Building $324,300

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

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	4 (1997–2025)
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 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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