515 Russell St, Covington, KY 41011 Property Records

Kenton County property record for 515 Russell St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 3,498 sqft · built 1892
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jan 2026)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Jan 2026 Transfer Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`054-21-13-014.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-13-014.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,498 sqft Finished Area
Gross Area	3,831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Architectural Style	Duplex Single
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 RUSSELL ST
City	COVINGTON
State	KY
Zip	41011-1427
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MONTGOMERY LOT 15 50'X 140'
Legal Subdivision	MONTGOMERY SH
Legal Lot Number	15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
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

515 Russell St, a duplex, is owned and occupied by an individual who bought it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	515 RUSSELL ST, COVINGTON, KY 41011-1427
Occupancy	Owner Occupied
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
Jan 20, 2026	Intrafamily Transfer, Transfer
Oct 28, 2020	Loan Modification, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Jul 5, 2012 · Amount on File
Deed Document Number	202601201225
Deed Book / Page	386 / 130
Prior Transfer Date	Jan 16, 2026
Prior Transfer Doc	0000001225
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jan 20, 2026
Property Address	515 RUSSELL ST, COVINGTON, KY 41011-1427
Document Number	0000001225
Book / Page	386 / 130
Instrument Date	Jan 16, 2026
Instrument	26059000001225
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 RUSSELL ST, COVINGTON, KY 41011-1427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 RUSSELL ST, COVINGTON, KY 41011-1427

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	515 RUSSELL ST, COVINGTON, KY 41011-1427
Document Number	0000000073
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 RUSSELL ST COVINGTON KY 410111427, COVINGTON, KY 41011-1427

Mortgage

Document Number	0000000073
Date	Dec 10, 2020
Book Page	00M138/000905
Instrument	73

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	264 Months
Due	Dec 9, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 515 Russell St was $2,318.

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		$200,000 (+14.29%) Land $15,000 Building $185,000	$200,000 (+14.29%) Land $15,000 Building $185,000
2025	$2,318.00	$175,000 Land $15,000 Building $160,000	$175,000 Land $15,000 Building $160,000
2023	$2,331.00	$175,000 Land $15,000 Building $160,000	$175,000 Land $15,000 Building $160,000

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

Flood

FEMA maps place 515 Russell 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 515 Russell 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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