509 Montgomery St, Covington, KY 41011 Property Records

Kenton County property record for 509 Montgomery St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	1 ba · 1,920 sqft · built 1909
Lot Size	0.097 acres (4,223 sqft)
Owner	2 Individual Names on File
Last Sale	$218,424 (Jun 2024)
Tax Bill	$2,893 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-18-010.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-18-010.00`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,920 sqft Finished Area
Gross Area	2,286 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,223 sqft (0.097 acres)
Lot Dimensions	205 ft deep x 20.6 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Street Address	509 MONTGOMERY ST
City	COVINGTON
State	KY
Zip	41011-1423
Property Category	Other
Property Type	Other > Other Improved
Legal Description	GIBSON & EASTON PT LOT 33 20.58'X 205' WS MONTGOMERY 100' S 5TH
Legal Subdivision	GIBSON & EASTON
Legal Lot Number	33
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2020
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

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

Owner

509 Montgomery St is owned by two individuals who bought it in June 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	605 RUSSELL ST, 3A, COVINGTON, KY 41011-3094
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS FSLA
Aug 10, 2022	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Jun 18, 2024	Deed, Transfer CITIZENS FSLA
Nov 9, 2023	Warranty Deed, Transfer · Seller Carry-Back JAMES CLYBOURN III ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2024 · Amount on File
Deed Sale	Jun 18, 2024 · Amount on File
Prior Sale	Nov 9, 2023 · Amount on File
Deed Document Number	2024233
Deed Book / Page	290 / 270
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	509 MONTGOMERY ST, COVINGTON, KY 41011-1423
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001646
Date	Jan 28, 2026
Book Page	728/696
Instrument	26059000001646

Lender

Name	CITIZENS FSLA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 2, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	509 MONTGOMERY ST, COVINGTON, KY 41011-1423
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900150
Date	Aug 10, 2022
Book Page	396/756
Instrument	22081005900150

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2032

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jun 18, 2024
Property Address	509 MONTGOMERY ST, COVINGTON, KY 41011-1423
Document Number	0005900233
Book / Page	KC 290 / 270
Instrument Date	May 24, 2024
Instrument	24061805900233
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
Tax	$218.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 MADISON AVE, COVINGTON, KY 41011-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	509 MONTGOMERY ST, COVINGTON, KY 41011-1423

Mortgage

Document Number	0005900234
Date	Jun 18, 2024
Instrument	24061805900234

Lender

Name	CITIZENS FSLA
Type	Bank

Agreement

Amount	Amount on Record
Term	369 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	13.2%
Change Frequency	Annually
Index	1-Year T-Bill
Margin	3

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 9, 2023
Property Address	509 MONTGOMERY ST, COVINGTON, KY 41011-1423
Document Number	0005900119
Book / Page	KC 256 / 91
Instrument Date	Nov 7, 2023
Instrument	23110905900119
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
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	509 MONTGOMERY ST, COVINGTON, KY 41011-1423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 MADISON AVE, COVINGTON, KY 41011-2414

Mortgage

Document Number	0005900120
Date	Nov 9, 2023
Instrument	23110905900120

Lender

Name	JAMES CLYBOURN III ETUX
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	7 Months
Due	Jun 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 509 Montgomery St was $2,893.

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		$390,000 (+78.57%) Land $15,000 Building $375,000	$390,000 (+78.57%) Land $15,000 Building $375,000
2025	$2,893.00	$218,400 Land $15,000 Building $203,400	$218,400 Land $15,000 Building $203,400
2023	$1,264.00 (-5.03%) Homeowner's exemption	$141,300 (-) Land $15,000 Building $126,300	$141,300 (-) Land $15,000 Building $126,300
2022	$1,331.00 Homeowner's exemption	$141,300 Land $15,000 Building $126,300	$141,300 Land $15,000 Building $126,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 509 Montgomery St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

Wildfire risk around 509 Montgomery 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	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 656 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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