521 E 18th St, Covington, KY 41014 Property Records

Kenton County property record for 521 E 18th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 924 sqft · built 1914
Lot Size	0.069 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Sep 2024)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`055-32-19-008.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-19-008.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	924 sqft Finished Area
Gross Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.069 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0553219008.00
Street Address	521 E 18TH ST
City	COVINGTON
State	KY
Zip	41014-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOUVIONS RESUB THOMAS LOT 5
Legal Subdivision	GOUVIONS RESUB THOMAS
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
Census Tract	61000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	521 E 18TH ST, COVINGTON, KY 41014-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 5, 2024 · Amount on Record
Deed Sale	Sep 5, 2024 · Amount on Record
Prior Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	0000303366
Deed Book / Page	303 / 366
Record Updated	Jun 8, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 5, 2018
Property Address	521 E 18TH ST, COVINGTON, KY 41014-1407
Document Number	0000000233
Book / Page	0C6384 / 000235
Instrument Date	Apr 2, 2018
Instrument	233
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$102.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E 18TH ST COVINGTON KY 410141407, COVINGTON, KY 41014-1407

Mortgage

Document Number	234
Date	Apr 5, 2018
Book Page	0C6384/000238
Instrument	234

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

Mortgage

Document Number	237,
Date	Apr 5, 2018
Book Page	0C6384/000260
Instrument	237

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COVINGTON

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 4, 2023

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,385.00 (+67.72%)	$180,000 (+68.54%) Land $5,000 Building $175,000	$180,000 (+68.54%) Land $5,000 Building $175,000
2023	$1,422.00	$106,800 Land $5,000 Building $101,800	$106,800 Land $5,000 Building $101,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile USA, Verizon.

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