420 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 420 Scott St, Covington, KY 41011

Property Summary

Property Type	Townhouse
Details	3 bd · 4 ba · built 2016
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$523,264 (Feb 2017)
Tax Bill	$6,932 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-11-001.02`

Property Details

APN / Parcel Number

Primary APN	`054-23-11-001.02`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	1,307 sqft (0.03 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	420 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-1528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	BOONE BLOCK LOT 2
Legal Subdivision	BOONE BLOCK
Legal Lot Number	2
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK
Dec 14, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FORCHT BK NA
Feb 7, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FORCHT BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2017 · Amount on Record
Deed Sale	Feb 7, 2017 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	201702 07 059 00171
Deed Book / Page	6091 / 227
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000003
Instrument Date	Jan 4, 2021
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SCOTT ST COVINGTON KY 410111528, COVINGTON, KY 41011-1528

Mortgage

Document Number	0000000003
Date	Jan 12, 2021
Book Page	00M153/000264
Instrument	3

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000238
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	420 SCOTT ST COVINGTON KY 410111528, COVINGTON, KY 41011-1528

Mortgage

Document Number	0000000238
Date	Jan 3, 2019
Book Page	0C6575/000337
Instrument	238

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 2, 2044

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000172
Book / Page	0C6272 / 000320
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SCOTT ST COVINGTON KY 410111528, COVINGTON, KY 41011-1528

Mortgage

Document Number	0000000172
Date	Oct 16, 2017
Book Page	0C6272/000320
Instrument	172

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000168
Book / Page	0C6133 / 000241
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	420 SCOTT ST COVINGTON KY 410111528, COVINGTON, KY 41011-1528

Mortgage

Document Number	0000000168
Date	Apr 10, 2017
Book Page	0C6133/000241
Instrument	168

Lender

Name	FORCHT BK NA
Type	Bank
Address	LOUISVILLE, KY 40258

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Feb 7, 2017
Property Address	420 SCOTT ST, COVINGTON, KY 41011-1528
Document Number	0000000171
Book / Page	0C6091 / 000227
Instrument Date	Feb 6, 2017
Instrument	171
Transaction Type	Subdivision Related Transfer
Record Updated	May 17, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$523.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 W 5TH ST COVINGTON KY 410111481, COVINGTON, KY 41011-1481

Mortgage

Document Number	172
Date	Feb 7, 2017
Book Page	0C6091/000230
Instrument	172

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 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		$523,200 (-) Land $20,000 Building $503,200	$523,200 (-) Land $20,000 Building $503,200
2025	$6,932.00 (-0.53%)	$523,200 (-) Land $20,000 Building $503,200	$523,200 (-) Land $20,000 Building $503,200
2023	$6,969.00	$523,200 Land $20,000 Building $503,200	$523,200 Land $20,000 Building $503,200

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	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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