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

Kenton County property record for 433 W 16th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,165 sqft · built 1930
Lot Size	0.085 acres (3,708 sqft)
Owner	Company Name on Record
Last Sale	$220,000 (Apr 2024)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Apr 2024 Construction Loan Apr 2024 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-11-13-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-11-13-001.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,165 sqft Finished Area
Gross Area	1,625 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,708 sqft (0.085 acres)
Lot Dimensions	92.7 ft deep x 40 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	433 W 16TH ST
City	COVINGTON
State	KY
Zip	41014-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EUCLID LOT 1 40'X 92.68' SEC 16TH & EUCLID
Legal Subdivision	EUCLID AVE
Legal Lot Number	1
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 20, 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	433 W 16TH ST, COVINGTON, KY 41014-1001
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO
Apr 1, 2024	Warranty Deed, Transfer · Line of Credit CENTRAL BANK & TRUST CO
Nov 13, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage KIAVI FUNDING INC
Oct 27, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Prior Sale	Nov 13, 2023 · Amount on Record
Deed Document Number	20246
Deed Book / Page	277 / 14
Prior Transfer Date	Sep 27, 2023
Prior Transfer Doc	0005900055
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	433 W 16TH ST, COVINGTON, KY 41014-1001
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Mortgage

Document Number	0005900008
Date	Apr 1, 2024
Book Page	KCM 536/746
Instrument	24040105900008

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 1, 2024
Property Address	433 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0005900006
Book / Page	KC 277 / 14
Map Reference	MB 256 PG 284
Instrument Date	Mar 29, 2024
Instrument	24040105900006
Transaction Type	Transfer
Record Updated	May 16, 2024

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	1488 VISTAGLEN CIR, UNION, KY 41091-8276

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Mortgage

Document Number	0005900007
Date	Apr 1, 2024
Book Page	KCM 536/739
Instrument	24040105900007

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2023
Property Address	433 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0005900003
Book / Page	KC 256 / 284
Instrument Date	Sep 27, 2023
Instrument	23111305900003
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Mortgage

Document Number	0005900004
Date	Nov 13, 2023
Instrument	23111305900004

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2023
Property Address	433 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0005900055
Book / Page	KC 254 / 327
Instrument Date	Sep 27, 2023
Instrument	23102705900055
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2023
Property Address	433 W 16TH ST, COVINGTON, KY 41014-1001
Document Number	0005900055
Book / Page	KC 254 / 327
Instrument Date	Sep 27, 2023
Instrument	23102705900055
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W 16TH ST, COVINGTON, KY 41014-1001

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		$220,000 (-) Land $10,000 Building $210,000	$220,000 (-) Land $10,000 Building $210,000
2025	$2,915.00 (+95.24%)	$220,000 (+96.25%) Land $5,000 Building $215,000	$220,000 (+96.25%) Land $5,000 Building $215,000
2023	$1,493.00 (+0.88%)	$112,100 (-) Land $5,000 Building $107,100	$112,100 (-) Land $5,000 Building $107,100
2022	$1,480.00	$112,100 Land $5,000 Building $107,100	$112,100 Land $5,000 Building $107,100

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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