422 W 16th St, Covington, KY 41014 Property Records

Kenton County property record for 422 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 660 sqft · built 1905
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Oct 2022)
Tax Bill	$1,656 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-11-12-010.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-12-010.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	660 sqft Finished Area
Gross Area	744 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	422 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK LOT 12 SEC 2
Legal Subdivision	WOODLAND PARK LAND CO
Legal Phase	2
Legal Lot Number	12
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	65000

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	2 Individual Names on Record
Mailing Address	10520 BELLE POINTE DR, ALEXANDRIA, KY 41001-9195
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Jul 25, 2005 · Amount on Record
Deed Document Number	2022102087
Deed Book / Page	196 / 39
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 20, 2022
Property Address	422 W 16TH ST, COVINGTON, KY 41014-1002
Document Number	0005900087
Book / Page	KC 196 / 39
Instrument Date	Oct 18, 2022
Instrument	22102005900087
Transaction Type	Transfer
Record Updated	Nov 4, 2022

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	2116 CARDINAL DR, 2116, WATERLOO, IA 50701-1006

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10520 BELLE POINTE DR, ALEXANDRIA, KY 41001-9195

Mortgage

Document Number	0005900088
Date	Oct 20, 2022
Book Page	KCM 415/961
Instrument	22102005900088

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	422 W 16TH ST, COVINGTON, KY 41014-1002
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 W 16TH ST, COVINGTON, KY 41014-1002

Mortgage

Document Number	0005900027
Date	Mar 22, 2022
Book Page	350/639
Instrument	22032205900027

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 10, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$125,000 (-) Land $10,000 Building $115,000	$125,000 (-) Land $10,000 Building $115,000
2025	$1,656.00 (-0.54%)	$125,000 (-) Land $5,000 Building $120,000	$125,000 (-) Land $5,000 Building $120,000
2023	$1,665.00	$125,000 Land $5,000 Building $120,000	$125,000 Land $5,000 Building $120,000

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

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

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.

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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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