423 Byrd St, Covington, KY 41011 Property Records

Kenton County property record for 423 Byrd St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$149,900 (Mar 2022)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-11-002.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-11-002.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	992 sqft Finished Area
Gross Area	1,252 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	423 BYRD ST
City	COVINGTON
State	KY
Zip	41011-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POWELL & BRACE BLK G LOT 2
Legal Subdivision	POWELL & BRACE
Legal Phase	G
Legal Block	G
Legal Lot Number	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1005
Census Tract	67100

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	423 BYRD ST, COVINGTON, KY 41011-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LEXINGTON-FAYETTE URBAN COUNTY GOV
Mar 10, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 30, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Sep 30, 2021 · Amount on Record
Deed Document Number	202213
Deed Book / Page	152 / 655
Prior Transfer Date	Dec 28, 1998
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	423 BYRD ST, COVINGTON, KY 41011-3527
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 BYRD ST, COVINGTON, KY 41011-3527

Mortgage

Document Number	0005900013
Date	Sep 30, 2021
Book Page	279/237
Instrument	21093005900013

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 10, 2022
Property Address	423 BYRD ST, COVINGTON, KY 41011-3527
Document Number	0005900013
Book / Page	152 / 655
Instrument Date	Mar 7, 2022
Instrument	22031005900013
Transaction Type	Transfer
Record Updated	Mar 24, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

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	2446 MOFFETT RD, 2446, INDEPENDENCE, KY 41051-7726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 BYRD ST, COVINGTON, KY 41011-3527

Mortgage

Document Number	0005900014
Date	Mar 10, 2022
Instrument	22031005900014

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 30, 2021
Property Address	423 BYRD ST, COVINGTON, KY 41011-3527
Document Number	0005900011
Book / Page	121 / 229
Instrument Date	Sep 24, 2021
Instrument	21093005900011
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

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	3063 VICCAGE DR, 3063, EDGEWOOD, KY 41017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 BYRD ST, COVINGTON, KY 41011-3527

Mortgage

Document Number	0005900012
Date	Sep 30, 2021
Book Page	279/222
Instrument	21093005900012

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$149,900 (-) Land $10,000 Building $139,900	$149,900 (-) Land $10,000 Building $139,900
2025	$1,986.00 (-0.5%)	$149,900 (-) Land $5,000 Building $144,900	$149,900 (-) Land $5,000 Building $144,900
2023	$1,996.00	$149,900 Land $5,000 Building $144,900	$149,900 Land $5,000 Building $144,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 383 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: T-Mobile, Verizon.

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