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

Kenton County property record for 431 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,065 sqft · built 1924
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$68,500 (Mar 2020)
Tax Bill	$907 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-11-13-002.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-13-002.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,065 sqft Finished Area
Gross Area	1,277 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	431 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EUCLID LOT 2
Legal Subdivision	EUCLID AVE
Legal Lot Number	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65000

Owner

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	Individual Name on Record
Mailing Address	431 W 16TH ST, COVINGTON, KY 41014-1001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 11, 2020	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK
Sep 5, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2020 · Amount on Record
Deed Sale	Mar 11, 2020 · Amount on Record
Prior Sale	Sep 5, 2018 · Amount on Record
Deed Document Number	20205900228
Deed Book / Page	11 / 392
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	431 W 16TH ST, COVINGTON, KY 41014-1001
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 W 16TH ST, COVINGTON, KY 41014-1001

Mortgage

Document Number	0005900079
Date	Nov 4, 2025
Book Page	KCM 703/525
Instrument	25110405900079

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	431 W 16TH ST, COVINGTON, KY 41014-1001
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 W 16TH ST, COVINGTON, KY 41014-1001

Mortgage

Document Number	0005900079
Date	Nov 4, 2025
Book Page	KCM 703/525
Instrument	25110405900079

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 11, 2020
Property Address	431 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000228
Book / Page	000011 / 000392
Instrument Date	Mar 5, 2020
Instrument	228
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	229
Date	Mar 11, 2020
Book Page	000018/000638
Instrument	229

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 5, 2018
Property Address	431 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0000000145
Book / Page	0C6494 / 000059
Instrument Date	Aug 31, 2018
Instrument	145
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	PRIORITY NATIONAL TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 W 16TH ST COVINGTON KY 410141001, COVINGTON, KY 41014-1001

Mortgage

Document Number	146
Date	Sep 5, 2018
Book Page	0C6494/000062
Instrument	146

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

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		$128,100 (+87.01%) Land $10,000 Building $118,100	$128,100 (+87.01%) Land $10,000 Building $118,100
2025	$907.00 (-0.55%)	$68,500 (-) Land $5,000 Building $63,500	$68,500 (-) Land $5,000 Building $63,500
2023	$912.00	$68,500 Land $5,000 Building $63,500	$68,500 Land $5,000 Building $63,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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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