422 W 22nd St, Covington, KY 41014 Property Records

Kenton County property record for 422 W 22nd St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,092 sqft · built 1911
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Jan 2023)
Tax Bill	$2,053 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-21-03-028.00`

Property Details

APN / Parcel Number

Primary APN	`055-21-03-028.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,092 sqft Finished Area
Gross Area	1,577 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	144 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
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	422 W 22ND ST
City	COVINGTON
State	KY
Zip	41014-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOOAR DANIEL PT LOTS 42-43-44 50' NS 22ND 125' W LAMBERT
Legal Subdivision	MOOAR DANIEL
Legal Lot Number	42,43
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	65000

Owner

422 W 22nd St is owned and occupied by two individuals who bought it in January 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	422 W 22ND ST, COVINGTON, KY 41014-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2023 · Amount on File
Deed Sale	Jan 6, 2023 · Amount on File
Prior Sale	Sep 1, 2011 · Amount on File
Deed Document Number	2023125
Deed Book / Page	208 / 173
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0005900298
Record Updated	Oct 29, 2026

January 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KENTON KY
Recording Date	Jan 6, 2023
Property Address	422 W 22ND ST, COVINGTON, KY 41014-1606
Document Number	0005900125
Book / Page	208 / 173
Instrument Date	Jan 4, 2023
Instrument	23010605900125
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
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	422 W 22ND ST, COVINGTON, KY 41014-1606

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-3314

Mortgage

Document Number	0005900126
Date	Jan 6, 2023
Book Page	KCM 433/141
Instrument	23010605900126

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	11.7%
Index	1-Year T-Bill
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 422 W 22nd St was $2,053.

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		$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	$436.00 Homeowner's exemption	$79,200 Land $5,000 Building $74,200	$79,200 Land $5,000 Building $74,200

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

Flood

FEMA maps place 422 W 22nd 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

The area around 422 W 22nd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 465 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20