Kenton County property record for 421 W 11th St, Covington, KY 41011
| Property Type | Other Improved |
|---|---|
| Details | 2 ba · 836 sqft · built 1904 |
| Lot Size | 0.05 acres (2,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Aug 2023) |
| Tax Bill | $2,053 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-09-003.00 |
| Primary APN | 054-22-09-003.00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 836 sqft Finished Area |
| Gross Area | 952 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,181 sqft (0.05 acres) |
| Lot Dimensions | 89 ft deep x 24.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 421 W 11TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2201 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | LEHMER PT LOTS 39-40 24.5'X 89' |
| Legal Subdivision | LEHMER |
| Legal Phase | 2 |
| Legal Lot Number | 39,40 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 60700 |
421 W 11th St is owned by two individuals who bought it in August 2023.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2370 LUCCA WAY, FT MITCHELL, KY 41017-3550 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Aug 2, 2023 | Warranty Deed, Transfer |
| May 18, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on File |
| Deed Sale | Aug 31, 2023 · Amount on File |
| Prior Sale | Aug 2, 2023 · Amount on File |
| Deed Document Number | 202317 |
| Deed Book / Page | 244 / 175 |
| Prior Transfer Date | Mar 29, 2017 |
| Prior Transfer Doc | 0005900091 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 31, 2023 |
| Property Address | 421 W 11TH ST, COVINGTON, KY 41011-2201 |
| Document Number | 0005900017 |
| Book / Page | KC 244 / 175 |
| Instrument Date | Aug 28, 2023 |
| Instrument | 23083105900017 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 628 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2370 LUCCA WAY, COVINGTON, KY 41017-3550 |
| Document Number | 0005900018 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | KCM 488/481 |
| Instrument | 23083105900018 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 2, 2023 |
| Property Address | 421 W 11TH ST, COVINGTON, KY 41011-2201 |
| Document Number | 0005900203 |
| Book / Page | KC 239 / 500 |
| Instrument Date | Jul 5, 2023 |
| Instrument | 23080205900203 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3923 BUCKHILL DR, ELSMERE, KY 41018-2963 |
| Name | Verified Name |
|---|---|
| Address | 628 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 18, 2017 |
| Property Address | 421 W 11TH ST, COVINGTON, KY 41011-2201 |
| Document Number | 0000000091 |
| Book / Page | 0C6162 / 000001 |
| Instrument Date | Mar 29, 2017 |
| Instrument | 91 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3923 BUCKHILL DR ERLANGER KY 410182963, ERLANGER, KY 41018-2963 |
The 2025 property tax bill for 421 W 11th St was $2,053.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $155,000 (-) Land $10,000 Building $145,000 | $155,000 (-) Land $10,000 Building $145,000 | |
| 2025 | $2,053.00 | $155,000 Land $5,000 Building $150,000 | $155,000 Land $5,000 Building $150,000 |
| 2023 | $559.00 (+0.9%) | $42,000 (-) Land $5,000 Building $37,000 | $42,000 (-) Land $5,000 Building $37,000 |
| 2022 | $554.00 | $42,000 Land $5,000 Building $37,000 | $42,000 Land $5,000 Building $37,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 421 W 11th 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 risk around 421 W 11th 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 720 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 | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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