524 Thomas St, Covington, KY 41014 Property Records

Kenton County property record for 524 Thomas St, Covington, KY 41014 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2008
Square Footage	1,520 sqft Finished Area
Lot Size	2,614 sqft (0.06 acres)
Occupancy	Owner Occupied
Last Sale	$250,000 (2023)
Tax Bill	$3,312.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`055-31-22-011.08`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,520 sqft Finished Area
Stories	2 Stories

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	2,614 sqft (0.06 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	524 THOMAS ST
City	COVINGTON
State	KY
Zip	41014-1453
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 8A CENTER FOR GREAT NEIGHBORHOODS OF COVINGTON
Legal Subdivision	CENTER FOR GREAT NEIGHBORHOOD OF
Legal Lot Number	CO8A
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	1
Census Block	1030
Census Tract	61000

Owner

Source: Kenton County records · APN 055-31-22-011.08

Assessment roll updated December 2, 2025 · Last verified August 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 File
Mailing Address	524 THOMAS ST, COVINGTON, KY 41014-1453
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Apr 28, 2015 · Amount on Record
Deed Doc Number	202345
Deed Book / Page	227 / 545
Record Refreshed	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 22, 2023
Property Address	524 THOMAS ST, COVINGTON, KY 41014-1453
Document Number	0005900045
Book / Page	KC 227 / 545
Map Reference	PL 2086
Instrument Date	May 18, 2023
Instrument	23052205900045
Transaction Type	Transfer
Record Updated	Jun 02, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 AQUA WAY APT 437, 437, NEWPORT, KY 41071-2793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 THOMAS ST, COVINGTON, KY 41014-1453

Mortgage

Document Number	0005900046
Date	May 22, 2023
Book Page	KCM 462/787
Instrument	23052205900046

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,312.00 (+31.32%)	$250,000 (+32%) Land $5,000 Building $245,000	$250,000 (+32%) Land $5,000 Building $245,000
2023	$2,522.00	$189,400 Land $5,000 Building $184,400	$189,400 Land $5,000 Building $184,400

Flood & Wildfire

524 Thomas St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015

FEMA Flood Zone	Zone X reduced risk due to levee; depends on levee performance
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

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

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.