511 W 23rd St, Covington, KY 41014 Property Records

Kenton County property record for 511 W 23rd St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,134 sqft · built 1919
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$409 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-23-04-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-04-001.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,134 sqft Finished Area
Gross Area	1,610 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Basement
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	511 W 23RD ST
City	COVINGTON
State	KY
Zip	41014-1671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTINGTON LOT & IMP CO LOTS 354 TO 357 CENTRAL COV IMP CO ADDN
Legal Subdivision	HUNTINGTON LOT & IMP CO
Legal Phase	57
Legal Lot Number	354-357
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3017
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	2 Individual Names on Record
Mailing Address	511 W 23RD ST, COVINGTON, KY 41014-1671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	511 W 23RD ST, COVINGTON, KY 41014-1671
Document Number	0000000226
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 W 23RD ST COVINGTON KY 410141671, COVINGTON, KY 41014-1671

Mortgage

Document Number	0000000226
Date	May 31, 2018
Book Page	0C6421/000008
Instrument	226

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 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		$136,400 (+70.5%) Land $10,000 Building $126,400	$136,400 (+70.5%) Land $10,000 Building $126,400
2025	$409.00 (-8.5%) Homeowner's exemption	$80,000 (-) Land $5,000 Building $75,000	$80,000 (-) Land $5,000 Building $75,000
2023	$447.00 Homeowner's exemption	$80,000 Land $5,000 Building $75,000	$80,000 Land $5,000 Building $75,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% 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 465 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20