424 W 7th St, Covington, KY 41011 Property Records

Kenton County property record for 424 W 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 4,080 sqft · built 1890
Lot Size	0.043 acres (1,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,400 (Jun 2006)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-029.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-029.00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Units	6 Units
Stories	2 Stories
Building Area	4,080 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,875 sqft (0.043 acres)
Lot Dimensions	75 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	424 W 7TH ST
City	COVINGTON
State	KY
Zip	41011-1592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WR&L PT LOT 14-15 BLK 33 25X75' NEC 7TH & BAKEWELL
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	14,15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
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

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 Individual Names on Record
Mailing Address	832 PHILADELPHIA ST, COVINGTON, KY 41011-1255
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2006 · Amount on Record
Deed Sale	Jun 21, 2006 · Amount on Record
Prior Sale	Nov 22, 2005 · Amount on Record
Deed Document Number	200606 21 059 00066
Deed Book / Page	3051 / 161
Last Transfer Date	Dec 10, 2019
Transfer Doc	0005900352
Record Updated	Oct 29, 2026

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 17, 2019
Property Address	424 W 7TH ST, COVINGTON, KY 41011-1592
Document Number	0000000352
Book / Page	0C6832 / 000205
Instrument Date	Dec 10, 2019
Instrument	352
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 W 7TH ST COVINGTON KY 410111592, COVINGTON, KY 41011-1592

Mortgage

Document Number	353
Date	Dec 17, 2019
Book Page	0C6832/000208
Instrument	353

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

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		$310,000 (+29.17%) Land $10,000 Building $300,000	$310,000 (+29.17%) Land $10,000 Building $300,000
2025	$3,180.00 (-0.5%)	$240,000 (-) Land $10,000 Building $230,000	$240,000 (-) Land $10,000 Building $230,000
2023	$3,196.00	$240,000 Land $10,000 Building $230,000	$240,000 Land $10,000 Building $230,000

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
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 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 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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