434 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 434 Scott St, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,580 sqft
Lot Size	0.126 acres (5,510 sqft)
Owner	Company Name on Record
Last Sale	$190,000 (Feb 2005)
Tax Bill	$3,219 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Feb 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`054-23-11-021.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-11-021.00`

Interior

Units	2 Units
Building Area	6,580 sqft Finished Area

Exterior

Lot Area	5,510 sqft (0.126 acres)
Lot Dimensions	95 ft deep x 47 ft wide

Location & Zoning

Street Address	434 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-2342
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIGINAL PLAT OF COV PT LOTS 227-228 0.1265 ACS ES SCOTT ST
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	227,22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2016
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	6433 GRAND VISTA AVE, CINCINNATI, OH 45213-1117
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR
Feb 19, 2019	Loan Modification, Mortgage REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2005 · Amount on Record
Deed Sale	Feb 25, 2005 · Amount on Record
Deed Document Number	200502 25 059 00229
Deed Book / Page	2511 / 249
Last Transfer Date	Sep 22, 2005
Transfer Doc	0005900253
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	434 SCOTT ST, COVINGTON, KY 41011-2342
Document Number	0000000121
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	434 SCOTT ST COVINGTON KY 410112342, COVINGTON, KY 41011-2342

Mortgage

Document Number	0000000121
Date	Jun 26, 2020
Book Page	000M63/000317
Instrument	121

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	601 W MARKET ST, LOUISVILLE, KY 40202-2745

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jun 25, 2032

Interest

Rate Type	Adjustable Rate

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	434 SCOTT ST, COVINGTON, KY 41011-2342
Document Number	0000000177
Instrument Date	Feb 19, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6433 GRAND VISTA AVE CINCINNATI OH 452131117, CINCINNATI, OH 45213-1117

Mortgage

Document Number	0000000177
Date	Mar 14, 2019
Book Page	0C6618/000180
Instrument	177

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 13, 2029

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		$268,000 (+10.29%) Land $78,000 Building $190,000	$268,000 (+10.29%) Land $78,000 Building $190,000
2025	$3,219.00 (-0.53%)	$243,000 (-) Land $78,000 Building $165,000	$243,000 (-) Land $78,000 Building $165,000
2023	$3,236.00	$243,000 Land $78,000 Building $165,000	$243,000 Land $78,000 Building $165,000

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 Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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 326 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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