Kenton County property record for 427 W 22nd St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1923 |
| Lot Size | 0.052 acres (2,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $112,000 (Nov 2023) |
| Tax Bill | $1,987 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Nov 2023 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-04-004.00 |
| Primary APN | 055-21-04-004.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Finished Area |
| Gross Area | 1,339 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Lot Area | 2,250 sqft (0.052 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 427 W 22ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAMBERT WM LOT 15 & REAR 25' LOT 19 25'X 90' SS 2NND 100' W BUSSE |
| Legal Subdivision | LAMBERT WM |
| Legal Lot Number | 15,19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 65000 |
Source: Kenton County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 329 W 21ST ST, COVINGTON, KY 41014-1113 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NOAH DICKSON |
| Nov 1, 2023 | Warranty Deed, Transfer · Construction Mortgage MERCHANTS NE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2023 · Amount on Record |
| Deed Sale | Nov 1, 2023 · Amount on Record |
| Prior Sale | Apr 22, 2002 · Amount on Record |
| Deed Document Number | 202353 |
| Deed Book / Page | 255 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 427 W 22ND ST, COVINGTON, KY 41014-1673 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900030 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | KCM 506/551 |
| Instrument | 23111305900030 |
| Name | NOAH DICKSON |
|---|---|
| Type | Private Party |
| Address | PO BOX 45290, WESTLAKE, OH 44145 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | May 6, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 1, 2023 |
| Property Address | 427 W 22ND ST, COVINGTON, KY 41014-1673 |
| Document Number | 0005900053 |
| Book / Page | KC 255 / 93 |
| Instrument Date | Oct 12, 2023 |
| Instrument | 23110105900053 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 MAKAYLA CT, BURLINGTON, KY 41005-7002 |
| Name | Verified Name |
|---|---|
| Address | 329 W 21ST ST, COVINGTON, KY 41014-1113 |
| Document Number | 0005900054 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | KCM 504/420 |
| Instrument | 23110105900054 |
| Name | MERCHANTS NE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ENGLEWOOD, CO 80111 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Oct 18, 2024 |
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 | $150,000 (-) Land $10,000 Building $140,000 | $150,000 (-) Land $10,000 Building $140,000 | |
| 2025 | $1,987.00 (+286.58%) | $150,000 (+76.47%) Land $5,000 Building $145,000 | $150,000 (+76.47%) Land $5,000 Building $145,000 |
| 2023 | $514.00 (-12.44%) Homeowner's exemption | $85,000 (-) Land $5,000 Building $80,000 | $85,000 (-) Land $5,000 Building $80,000 |
| 2022 | $587.00 Homeowner's exemption | $85,000 Land $5,000 Building $80,000 | $85,000 Land $5,000 Building $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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