522 Highland Pike, Covington, KY 41014 Property Records

Kenton County property record for 522 Highland Pike, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,401 sqft · built 1925
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$192,500 (May 2024)
Tax Bill	$2,550 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-02-048.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-02-048.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,401 sqft Finished Area
Gross Area	1,687 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
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	522 HIGHLAND PIKE
City	COVINGTON
State	KY
Zip	41014-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORN ADDN LOT 99
Legal Subdivision	HAWTHORN ADDN
Legal Lot Number	99
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65100

Owner

522 Highland Pike is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Mar 11, 2024	Deed of Trust, Mortgage GREEN TIDES LLC
Dec 16, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FORCHT BK NA
Feb 13, 2020	Grant Deed, Transfer 3MP CAPITAL INVESTMENTS LLC
Dec 11, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2024 · Amount on File
Deed Sale	May 15, 2024 · Amount on File
Prior Sale	Feb 13, 2020 · Amount on File
Deed Document Number	2024171
Deed Book / Page	284 / 689
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900145
Date	Mar 11, 2024
Book Page	KCM 532/8
Instrument	24031105900145

Lender

Name	GREEN TIDES LLC
Type	Non-Lending Institution
Address	BURLINGTON, KY 41005

Agreement

Amount	Amount on Record
Term	6 Months
Due	Sep 1, 2024

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Document Number	0000000119
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 HIGHLAND PIKE COVINGTON KY 410141147, COVINGTON, KY 41014-1147

Mortgage

Document Number	0000000119
Date	Dec 18, 2020
Book Page	00M142/000955
Instrument	119

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Document Number	0000000137
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6457 ELSINOR CT BURLINGTON KY 410057990, BURLINGTON, KY 41005-7990

Mortgage

Document Number	0000000137
Date	Jul 13, 2020
Book Page	000M68/000735
Instrument	137

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 12, 2040

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Feb 13, 2020
Property Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Document Number	0000000100
Book / Page	000007 / 000129
Instrument Date	Jan 31, 2020
Instrument	100
Transaction Type	Transfer
Record Updated	Apr 2, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6457 ELSINOR CT BURLINGTON KY 410057990, BURLINGTON, KY 41005-7990

Mortgage

Document Number	101
Date	Feb 13, 2020
Book Page	000M11/000543
Instrument	101

Lender

Name	3MP CAPITAL INVESTMENTS LLC
Address	4800 IDLEWILD RD, BURLINGTON, KY 41005-8742

Agreement

Amount	Amount on Record

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Dec 11, 2018
Property Address	522 HIGHLAND PIKE, COVINGTON, KY 41014-1147
Document Number	0000000161
Book / Page	0C6561 / 000310
Instrument Date	Oct 29, 2018
Instrument	161
Transaction Type	Foreclosure
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$58.67
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 522 Highland Pike was $2,550.

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		$192,500 (-) Land $10,000 Building $182,500	$192,500 (-) Land $10,000 Building $182,500
2025	$2,550.00	$192,500 Land $5,000 Building $187,500	$192,500 Land $5,000 Building $187,500
2023	$1,132.00	$85,000 Land $5,000 Building $80,000	$85,000 Land $5,000 Building $80,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 522 Highland Pike 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 522 Highland Pike is low, with less than 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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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