424 Emma St, Covington, KY 41011 Property Records

Kenton County property record for 424 Emma St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	1.5 ba · 4,515 sqft
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Nov 2025)
Tax Bill	$4,770 (2025)
Deeds & Mortgages	Nov 2025 Sale Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-019.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-019.00`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	12 Units
Stories	3 Stories
Building Area	4,515 sqft Finished Area

Exterior

Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	88 ft deep x 26 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	424 EMMA ST
City	COVINGTON
State	KY
Zip	41011-1340
Property Category	Other
Property Type	Other > Other Improved
Legal Description	POWELL O R ESTATE PLAT 6 LOT 25
Legal Subdivision	POWELL O R ESTATE
Legal Phase	6
Legal Lot Number	25
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
Census Tract	60300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

424 Emma St is owned by a company that bought it in November 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	1097 BOLD FORBES CT, UNION, KY 41091-7931
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Warranty Deed, Transfer
Apr 23, 2024	Deed of Trust, Mortgage · SBA Mortgage GESA CU
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on File
Deed Sale	Nov 10, 2025 · Amount on File
Prior Sale	Sep 19, 2017 · Amount on File
Deed Document Number	2025196
Deed Book / Page	373 / 655
Prior Transfer Date	Jun 21, 2006
Prior Transfer Doc	0005900087
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 10, 2025
Property Address	424 EMMA ST, COVINGTON, KY 41011-1340
Document Number	0005900196
Book / Page	KC 373 / 655
Map Reference	PL 206
Instrument Date	Oct 5, 2025
Instrument	25111005900196
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	908 BRADLEY ST NE, LACEY, WA 98516-8906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 BOLD FORBES CT, UNION, KY 41091-7931

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	424 EMMA ST, COVINGTON, KY 41011-1340
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7601 KITTIWAKE DR SE, OLYMPIA, WA 98513-5618

Mortgage

Document Number	0005900076
Date	Apr 23, 2024
Book Page	KCM542/866
Instrument	24042305900076

Lender

Name	GESA CU
Type	Credit Union
Address	825 GOETHALS DR STE 1A, RICHLAND, WA 99352

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 10, 2034

Interest

Rate Type	Adjustable Rate

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	424 EMMA ST, COVINGTON, KY 41011-1340
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7601 KITTIWAKE DR SE, OLYMPIA, WA 98513-5618

Mortgage

Document Number	0005900064
Date	Dec 1, 2022
Book Page	KC 203/62
Instrument	22120105900064

Lender

Name	US BANK NA
Type	Bank
Address	PORTLAND, OR 97228

Agreement

Type	Line of Credit
Term	57 Months
Due	Sep 11, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 19, 2017
Property Address	424 EMMA ST, COVINGTON, KY 41011-1340
Document Number	0000000245
Book / Page	0C6251 / 000001
Instrument Date	Sep 13, 2017
Instrument	245
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29822 49TH LN S AUBURN WA 980012958, AUBURN, WA 98001-2958

Mortgage

Document Number	247
Date	Sep 19, 2017
Book Page	0C6251/000005
Instrument	247

Lender

Name	US BK
Type	Bank
Address	PORTLAND, OR 97228-5308

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 424 Emma St was $4,770.

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		$400,000 (+11.11%) Land $20,000 Building $380,000	$400,000 (+11.11%) Land $20,000 Building $380,000
2025	$4,770.00	$360,000 Land $20,000 Building $340,000	$360,000 Land $20,000 Building $340,000
2023	$4,795.00	$360,000 Land $20,000 Building $340,000	$360,000 Land $20,000 Building $340,000

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

Flood

FEMA maps place 424 Emma 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

Wildfire risk around 424 Emma St is low, with a 0.01% annual chance of 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	Indirect 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 607 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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