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

Kenton County property record for 428 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 789 sqft · built 1939
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Aug 2026)
Tax Bill	$662 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-11-12-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-12-013.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	789 sqft Finished Area
Gross Area	888 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	89.7 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	428 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLAND PARK PT LOTS 195-96 SEC 1 50X89.7 BEING 0.1030 AC
Legal Subdivision	WOODLAND PARK LAND CO
Legal Phase	1ST
Legal Lot Number	195,19
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	65000

Owner

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 Record
Mailing Address	1603 GRANDVIEW DR, HEBRON, KY 41048-7963
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer · FHA Mortgage UNION SAVINGS BANK
Oct 21, 2025	Warranty Deed, Transfer · Commercial Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2026 · Amount on Record
Deed Sale	Aug 24, 2026 · Amount on Record
Prior Sale	Oct 21, 2025 · Amount on Record
Deed Document Number	2026082419257
Deed Book / Page	486 / 66
Prior Transfer Date	Sep 2, 2004
Prior Transfer Doc	0930059000
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 24, 2026
Property Address	428 W 16TH ST, COVINGTON, KY 41014-1002
Document Number	0000019257
Book / Page	486 / 66
Instrument Date	Aug 18, 2026
Instrument	202619257
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	PROMINENT TITLE LLC, PROMINENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 GRANDVIEW DR, HEBRON, KY 41048-7963

Mortgage

Document Number	0000019258,
Date	Aug 24, 2026
Instrument	2026082419258

Lender

Name	UNION SAVINGS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2025
Property Address	428 W 16TH ST, COVINGTON, KY 41014-1002
Document Number	0005900163
Book / Page	KC 370 / 208
Instrument Date	Oct 16, 2025
Instrument	25102105900163
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 HIGHVIEW DR, COVINGTON, KY 41011-3645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 GRANDVIEW DR, HEBRON, KY 41048-7963

Mortgage

Document Number	0005900164
Date	Oct 21, 2025
Instrument	25102105900164

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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		$200,000 (+3%) Land $10,000 Building $190,000	$200,000 (+3%) Land $10,000 Building $190,000
2025	$662.00 (+0.76%)	$50,000 (-) Land $5,000 Building $45,000	$50,000 (-) Land $5,000 Building $45,000
2024	$657.00 (-1.35%)	$50,000 (-) Land $5,000 Building $45,000	$50,000 (-) Land $5,000 Building $45,000
2023	$666.00	$50,000 Land $5,000 Building $45,000	$50,000 Land $5,000 Building $45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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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