523 E 19th St, Covington, KY 41014 Property Records

Kenton County property record for 523 E 19th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 896 sqft · built 1894
Lot Size	0.053 acres (2,300 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (May 2026)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan May 2026 Sale
Flood Zone	Zone X (reduced by levee)
APN	`055-32-20-009.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-20-009.00`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	896 sqft Finished Area
Gross Area	1,083 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Brick
Roof Material	Metal
Lot Area	2,300 sqft (0.053 acres)
Lot Dimensions	100 ft deep x 23 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	523 E 19TH ST
City	COVINGTON
State	KY
Zip	41014-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23X100FT SWC 19TH & OAKLAND
Legal Subdivision	THOMAS
Legal Phase	14
Legal Lot Number	285
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
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 records, as of May 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	265 UNIVERSITY DR, WALTON, KY 41094-7818
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Warranty Deed, Transfer · Construction Mortgage MM LENDING
May 1, 2026	Warranty Deed, Transfer 360 AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Mar 15, 2002 · Amount on Record
Deed Document Number	20268786
Deed Book / Page	422 / 372
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 23, 2026
Property Address	523 E 19TH ST, COVINGTON, KY 41014-1416
Document Number	0000012900
Book / Page	448 / 804
Instrument Date	Jun 12, 2026
Instrument	202612900
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$6,060.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	60 CAVALIER BLVD, FLORENCE, KY 41042-1645

Mortgage

Document Number	0000012901,
Date	Jun 23, 2026
Instrument	2026062312901

Lender

Name	MM LENDING

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2027

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 1, 2026
Property Address	523 E 19TH ST, COVINGTON, KY 41014-1416
Document Number	0000008786
Book / Page	422 / 372
Instrument Date	Apr 23, 2026
Instrument	2026.8786
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	360 AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,030.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 UNIVERSITY DR, WALTON, KY 41094-7818

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
2025		$45,000 (-) Land $5,000 Building $40,000	$45,000 (-) Land $5,000 Building $40,000
2023	Disabled Person's exemption	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000

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

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 1,077 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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