511 W 6th St, Covington, KY 41011 Property Records

Kenton County property record for 511 W 6th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 5,193 sqft · built 1850
Lot Size	0.251 acres (10,950 sqft)
Owner	2 Individual Names on File
Last Sale	$122,501 (Feb 2014)
Tax Bill	$8,281 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-09-005.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-09-005.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,193 sqft Finished Area
Gross Area	6,214 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	10,950 sqft (0.251 acres)
Lot Dimensions	219 ft deep x 50 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	511 W 6TH ST
City	COVINGTON
State	KY
Zip	41011-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	50X219 LOT 3 BLK 34 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	34
Legal Block	34
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2008
Census Tract	60300

Historic Designation

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.

Owner

511 W 6th St is owned by two individuals who bought it in February 2014.

Source: Kenton County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	223 W ORCHARD RD, FT MITCHELL, KY 41011-2637
Owner Type	Individual

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
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 6, 2019	Warranty Deed, Transfer GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2014 · Amount on File
Deed Sale	Feb 6, 2014 · Amount on File
Prior Sale	Jan 10, 2014 · Amount on File
Deed Document Number	201402 06 059 00170
Deed Book / Page	5354 / 106
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	511 W 6TH ST, COVINGTON, KY 41011-1213
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900101
Date	Jun 25, 2021
Book Page	236/1
Instrument	21062505900101

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 6, 2019
Property Address	511 W 6TH ST, COVINGTON, KY 41011-1213
Document Number	0000000252
Book / Page	0C6654 / 000182
Instrument Date	Apr 29, 2019
Instrument	252
Transaction Type	Transfer
Record Updated	May 23, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	223 W ORCHARD FT FORT MITCHELL KY 41017, FORT MITCHELL, KY 41017

Mortgage

Document Number	253
Date	May 6, 2019
Book Page	0C6654/000185
Instrument	253

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 511 W 6th St was $8,281.

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		$625,000 (-) Land $10,000 Building $615,000	$625,000 (-) Land $10,000 Building $615,000
2025	$8,281.00	$625,000 Land $10,000 Building $615,000	$625,000 Land $10,000 Building $615,000
2023	$8,325.00	$625,000 Land $10,000 Building $615,000	$625,000 Land $10,000 Building $615,000

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

Flood

FEMA maps place 511 W 6th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 511 W 6th 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	Direct burnable vegetation

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 607 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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