Kenton County property record for 431 W 9th St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,409 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $517,000 (Jun 2024) |
| Tax Bill | $6,850 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Oct 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-44-17-009.00 |
| Primary APN | 040-44-17-009.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,409 sqft Finished Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 431 W 9TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2162 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 25 FT S S 9TH 120 FT W YORK |
| Legal Subdivision | KEENS SUBDIVISION |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60700 |
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.
431 W 9th St is owned by two individuals who bought it in June 2024.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2716 COY ST, CINCINNATI, OH 45219-1008 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Dec 4, 2023 | Warranty Deed, Construction Loan · Balloon Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Oct 27, 2023 | Warranty Deed, Transfer |
| Oct 27, 2023 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2024 · Amount on File |
| Deed Sale | Jun 19, 2024 · Amount on File |
| Prior Sale | Dec 4, 2023 · Amount on File |
| Deed Document Number | 2024184 |
| Deed Book / Page | 290 / 611 |
| Prior Transfer Date | Feb 8, 2012 |
| Prior Transfer Doc | 0005900072 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 4, 2023 |
| Property Address | 431 W 9TH ST, COVINGTON, KY 41011-2162 |
| Document Number | 0005900168 |
| Book / Page | KC 259 / 564 |
| Map Reference | PL 328 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 23120405900168 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 12, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 WILSON RD, FORT THOMAS, KY 41075-1349 |
| Name | Verified Name |
|---|---|
| Address | 20 WALNUT HALL DR, INDEPENDENCE, KY 41051-8640 |
| Document Number | 0005900169 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | KCM 511/433 |
| Instrument | 23120405900169 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40207 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 30, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2023 |
| Property Address | 431 W 9TH ST, COVINGTON, KY 41011-2162 |
| Document Number | 0005900351 |
| Book / Page | KC 254 / 400 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 23102705900351 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6382 LAKEARBOR DR, INDEPENDENCE, KY 41051-8302 |
| Name | Verified Name |
|---|---|
| Address | 105 WILSON RD, FORT THOMAS, KY 41075-1349 |
| Mail Care Of | MATT MANSFIELD |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2023 |
| Property Address | 431 W 9TH ST, COVINGTON, KY 41011-2162 |
| Document Number | 0005900351 |
| Book / Page | KC 254 / 400 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 23102705900351 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6382 LAKEARBOR DR, INDEPENDENCE, KY 41051-8302 |
| Name | Verified Name |
|---|---|
| Address | 105 WILSON RD, FORT THOMAS, KY 41075-1349 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 431 W 9th St was $6,850.
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 | $517,000 (-) Land $10,000 Building $507,000 | $517,000 (-) Land $10,000 Building $507,000 | |
| 2025 | $6,850.00 | $517,000 Land $10,000 Building $507,000 | $517,000 Land $10,000 Building $507,000 |
| 2023 | $1,332.00 | $100,000 Land $10,000 Building $90,000 | $100,000 Land $10,000 Building $90,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 431 W 9th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 Policies | 3 in force |
| Nearby Flood Claims | 4 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 431 W 9th 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.
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 720 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 |
| Starlink Satellite | 280 / 30 |
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