Kenton County property record for 421 W 16th St, Covington, KY 41014 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1 ba · 903 sqft · built 1920 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Jun 2025) |
| Tax Bill | $1,689 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-11-13-007.00 |
| Primary APN | 055-11-13-007.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 903 sqft Finished Area |
| Gross Area | 1,029 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Roof Material | Metal |
| Lot Area | 2,614 sqft (0.06 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 421 W 16TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1001 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | WOODLAWN PARK LOT 7 & PT 8 SEC 2 |
| Legal Subdivision | WOODLAND PARK LAND CO |
| Legal Phase | 2 |
| Legal Lot Number | 7,8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 65000 |
Source: Kenton County records · APN 055-11-13-007.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1119 RUSSELL ST, 2, COVINGTON, KY 41011-3054 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 09, 2024 | Deed of Trust, Mortgage · Line of Credit GRANT SMITH |
| Jun 12, 2025 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 24, 2024 | Fiduciary Deed, Transfer · Line of Credit RIVER OF TRUTH INVESTMENTS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 12, 2025 · Amount on Record |
| Deed Sale | Jun 12, 2025 · Amount on Record |
| Prior Sale | Apr 09, 2024 · Amount on Record |
| Deed Document Number | 2025123 |
| Deed Book / Page | 346 / 925 |
| Prior Transfer Date | Apr 08, 2005 |
| Prior Transfer Doc | 0005900254 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 421 W 16TH ST, COVINGTON, KY 41014-1001 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900218 |
|---|---|
| Date | Apr 09, 2024 |
| Book Page | KCM 539/474 |
| Instrument | 24040905900218 |
| Name | GRANT SMITH |
|---|---|
| Type | Private Party |
| Address | 6508 HAMILTON MASON RD, LIBERTY TWP, OH 45011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Oct 01, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 12, 2025 |
| Property Address | 421 W 16TH ST, COVINGTON, KY 41014-1001 |
| Document Number | 0005900123 |
| Book / Page | KC 346 / 925 |
| Instrument Date | May 30, 2025 |
| Instrument | 25061205900123 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 421 W 16TH ST, COVINGTON, KY 41014-1001 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1119 RUSSELL ST, COVINGTON, KY 41011-3054 |
| Document Number | 0005900124 |
|---|---|
| Date | Jun 12, 2025 |
| Instrument | 25061205900124 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2055 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 24, 2024 |
| Property Address | 421 W 16TH ST, COVINGTON, KY 41014-1001 |
| Document Number | 0005900004 |
| Book / Page | KC 266 / 613 |
| Instrument Date | Jan 05, 2024 |
| Instrument | 24012405900004 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | UNKNOWN, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10012 CALAVA CT, UNION, KY 41091-9086 |
| Name | Verified Name |
|---|---|
| Address | 1649 GARVEY AVE, ELSMERE, KY 41018-2540 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900005 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 24012405900005 |
| Name | RIVER OF TRUTH INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 31, 2024 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,689.00 (+182.44%) | $127,500 (+39.65%) Land $5,000 Building $122,500 | $127,500 (+39.65%) Land $5,000 Building $122,500 |
| 2023 | $598.00 Homeowner's exemption | $91,300 Land $5,000 Building $86,300 | $91,300 Land $5,000 Building $86,300 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170650004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jul 1979, tidal / storm surge |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 956 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: AT&T, Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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