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

Kenton County property record for 423 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 880 sqft · built 1913
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Company Names on Record
Last Sale	$65,000 (Aug 2018)
Tax Bill	$1,091 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-11-13-006.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-13-006.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	880 sqft Finished Area
Gross Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	423 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK LOT 9 PT LOT 8 ALSO 4 & E 15' 3 EUCLID AVE LD CO
Legal Subdivision	WOODLAND PARK LAND CO
Legal Phase	32
Legal Lot Number	9,8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65000

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	2 Company Names on Record
Mailing Address	317 ORCHARD ST, COVINGTON, KY 41011-2220
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK
Mar 27, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Nov 4, 2009 · Amount on Record
Deed Document Number	201808 14 059 00365
Deed Book / Page	6477 / 78
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2026
Property Address	423 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000018892
Book / Page	483 / 811
Instrument Date	Aug 12, 2026
Instrument	202618892
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	317 ORCHARD ST, COVINGTON, KY 41011-2220

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	423 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000052
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	0000000052
Date	Jun 1, 2020
Book Page	000M50/000460
Instrument	52

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 14, 2018
Property Address	423 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000365
Book / Page	0C6477 / 000076
Instrument Date	Aug 9, 2018
Instrument	365
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	AGILITY CLOSING AND TITLE SERVICES I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	317 ORCHARD ST COVINGTON KY 410112220, COVINGTON, KY 41011-2220

Mortgage

Document Number	366
Date	Aug 14, 2018
Book Page	0C6477/000080
Instrument	366

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	423 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000145
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 15, 2018
Title Company	SOLIDIFI US INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	0000000145
Date	Apr 11, 2018
Book Page	0C6388/000160
Instrument	145

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 10, 2038

Interest

Rate Type	Adjustable Rate

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		$105,600 (+28.16%) Land $10,000 Building $95,600	$105,600 (+28.16%) Land $10,000 Building $95,600
2025	$1,091.00 (-0.55%)	$82,400 (-) Land $5,000 Building $77,400	$82,400 (-) Land $5,000 Building $77,400
2023	$1,097.00	$82,400 Land $5,000 Building $77,400	$82,400 Land $5,000 Building $77,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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.

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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