516 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 516 Western Ave, Covington, KY 41011

Property Summary

Property Type	Landominium
Details	2 bd · 2 ba · 1,379 sqft · built 1999
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Dec 2025)
Tax Bill	$4,968 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-34-01-001.08`

Property Details

APN / Parcel Number

Primary APN	`040-34-01-001.08`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,379 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
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	516 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-1000
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Landominium
Legal Description	TARA PLAZA TOWNHOMES SEC 2 LOT 6
Legal Subdivision	TARA PLAZA TOWNHOMES
Legal Phase	2
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61600

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	Individual Name on Record
Mailing Address	516 WESTERN AVE, COVINGTON, KY 41011-1000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed, Transfer · Conventional Mortgage UMORTGAGE LLC
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Jul 3, 2023 · Amount on Record
Deed Document Number	2025120543
Deed Book / Page	378 / 804
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 5, 2025
Property Address	516 WESTERN AVE, COVINGTON, KY 41011-1000
Document Number	0005900043
Book / Page	KC 378 / 804
Instrument Date	Nov 25, 2025
Instrument	25120505900043
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
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	5720 NW 61ST PL, PARKLAND, FL 33067-4431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 WESTERN AVE, COVINGTON, KY 41011-1000

Mortgage

Document Number	0005900044
Date	Dec 5, 2025
Instrument	25120505900044

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 3, 2023
Property Address	516 WESTERN AVE, COVINGTON, KY 41011-1000
Document Number	0005900109
Book / Page	KC 233 / 854
Map Reference	PL 1874
Instrument Date	Jun 30, 2023
Instrument	23070305900109
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4230 ELIDA RD, LIMA, OH 45807-1550

Mortgage

Document Number	0005900110
Date	Jul 3, 2023
Book Page	KCM 473/390
Instrument	23070305900110

Lender

Name	SUPERIOR CU INC
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

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		$375,000 (-) Land $50,000 Building $325,000	$375,000 (-) Land $50,000 Building $325,000
2025	$4,968.00 (+55.83%)	$375,000 (+56.64%) Land $30,000 Building $345,000	$375,000 (+56.64%) Land $30,000 Building $345,000
2023	$3,188.00	$239,400 Land $30,000 Building $209,400	$239,400 Land $30,000 Building $209,400

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 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.

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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