Kenton County property record for 515 W 9th St, Covington, KY 41011
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 2,063 sqft · built 1886 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (Mar 2026) |
| Tax Bill | $3,842 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-44-17-003.00 |
| Primary APN | 040-44-17-003.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,063 sqft Finished Area |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 515 W 9TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2146 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | KEEN JOS A PT LOTS 35-36 25' SS 9TH ST 43' E PHILADELPHIA |
| Legal Subdivision | KEEN JOS A |
| Legal Lot Number | 35,36 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60700 |
515 W 9th St, a duplex, is owned and occupied by an individual who bought it in March 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 12, 2026 | Warranty Deed, Transfer |
| Jun 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| May 15, 2020 | Warranty Deed, Construction Loan · Line of Credit FIRST NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2026 · Amount on File |
| Deed Sale | Mar 12, 2026 · Amount on File |
| Prior Sale | Jun 22, 2022 · Amount on File |
| Deed Document Number | 202603125040 |
| Deed Book / Page | 399 / 621 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 12, 2026 |
| Property Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Document Number | 0000005040 |
| Book / Page | 399 / 621 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 26059000005040 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 322 SNOW SHOE DR, SOUTHGATE, KY 41071-2852 |
| Name | Verified Name |
|---|---|
| Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 22, 2022 |
| Property Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Document Number | 0005900191 |
| Book / Page | 172 / 769 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 22062205900191 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2649 ERIE AVE, 2649, CINCINNATI, OH 45208-2019 |
| Name | Verified Name |
|---|---|
| Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Document Number | 0005900192 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 382/182 |
| Instrument | 22062205900192 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 15, 2020 |
| Property Address | 515 W 9TH ST, COVINGTON, KY 41011-2146 |
| Document Number | 0000000084 |
| Book / Page | 000021 / 000520 |
| Instrument Date | May 11, 2020 |
| Instrument | 84 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2649 ERIE AVE #2ND CINCINNATI OH 452082019, 2ND, CINCINNATI, OH 45208-2019 |
| Document Number | 85 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 000M44/000821 |
| Instrument | 85 |
| Name | FIRST NAT'L BK |
|---|---|
| Type | Bank |
| Address | LEBANON, OH 45036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 14, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 515 W 9th St was $3,842.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $290,000 (-) Land $10,000 Building $280,000 | $290,000 (-) Land $10,000 Building $280,000 | |
| 2025 | $3,842.00 | $290,000 Land $5,000 Building $285,000 | $290,000 Land $5,000 Building $285,000 |
| 2023 | $3,862.00 | $290,000 Land $5,000 Building $285,000 | $290,000 Land $5,000 Building $285,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 W 9th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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 | 4 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 515 W 9th 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 720 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 |
| Starlink Satellite | 280 / 30 |
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