Kenton County property record for 423 W 22nd St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,168 sqft · built 1910 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Aug 2017) |
| Tax Bill | $1,457 (2025) |
| Deeds & Mortgages | Aug 2017 Sale & Mortgage Aug 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-04-006.00 |
| Primary APN | 055-21-04-006.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,168 sqft Finished Area |
| Gross Area | 2,248 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 423 W 22ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAMBERT WM LOTS 11-12 |
| Legal Subdivision | LAMBERT WM |
| Legal Lot Number | 11-12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 65000 |
423 W 22nd St is owned and occupied by an individual who bought it in August 2017.
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 | Individual Name on File |
|---|---|
| Mailing Address | 423 W 22ND ST, COVINGTON, KY 41014-1673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2017 | Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG |
| Aug 31, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2017 · Amount on File |
| Deed Sale | Aug 31, 2017 · Amount on File |
| Prior Sale | Aug 31, 2017 · Amount on File |
| Deed Document Number | 201708 31 059 00153 |
| Deed Book / Page | 6236 / 343 |
| Prior Transfer Date | Nov 16, 2010 |
| Prior Transfer Doc | 0005900119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 31, 2017 |
| Property Address | 423 W 22ND ST, COVINGTON, KY 41014-1673 |
| Document Number | 0000000153 |
| Book / Page | 0C6236 / 000343 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 153 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 W 22ND ST COVINGTON KY 410141673, COVINGTON, KY 41014-1673 |
| Document Number | 154 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 0C6236/000345 |
| Instrument | 154 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
| Document Number | 155, |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 006237/000001 |
| Instrument | 155 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Aug 30, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 31, 2017 |
| Property Address | 423 W 22ND ST, COVINGTON, KY 41014-1673 |
| Document Number | 0000000152 |
| Book / Page | 0C6236 / 000340 |
| Instrument Date | May 31, 2016 |
| Instrument | 152 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $84.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6900 HOUSTON RD #27 FLORENCE KY 410424890, 27, FLORENCE, KY 41042-4890 |
The 2025 property tax bill for 423 W 22nd St was $1,457.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $164,200 (+49.27%) Land $10,000 Building $154,200 | $164,200 (+49.27%) Land $10,000 Building $154,200 | |
| 2025 | $1,457.00 | $110,000 Land $5,000 Building $105,000 | $110,000 Land $5,000 Building $105,000 |
| 2023 | $1,465.00 | $110,000 Land $5,000 Building $105,000 | $110,000 Land $5,000 Building $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 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.
The area around 423 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.
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 |
| 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.
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 |
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