526 Craig St, Covington, KY 41011 Property Records

Kenton County property record for 526 Craig St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,768 sqft · built 1890
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$101,000 (Oct 2002)
Tax Bill	$2,615 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-21-13-033.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-13-033.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Units	3 Units
Stories	2 Stories
Building Area	1,768 sqft Finished Area
Gross Area	1,788 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	526 CRAIG ST
City	COVINGTON
State	KY
Zip	41011-1457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON & RUSSELL BLK 21 LOT 11
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	21
Legal Block	21
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

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 October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	526 CRAIG ST, COVINGTON, KY 41011-1457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Feb 14, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2002 · Amount on File
Deed Sale	Oct 30, 2002 · Amount on File
Prior Sale	Jul 29, 1996 · Amount on File
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	526 CRAIG ST, COVINGTON, KY 41011-1457
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900250
Date	Apr 27, 2021
Book Page	208/399
Instrument	21042705900250

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	526 CRAIG ST, COVINGTON, KY 41011-1457
Document Number	0000000083
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 CRAIG ST COVINGTON KY 410111457, COVINGTON, KY 41011-1457

Mortgage

Document Number	0000000083
Date	Mar 11, 2020
Book Page	000M18/000441
Instrument	83

Lender

Name	PNC BK
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$230,400 (+16.72%) Land $15,000 Building $215,400	$230,400 (+16.72%) Land $15,000 Building $215,400
2025	$2,615.00 (-0.53%)	$197,400 (-) Land $15,000 Building $182,400	$197,400 (-) Land $15,000 Building $182,400
2023	$2,629.00	$197,400 Land $15,000 Building $182,400	$197,400 Land $15,000 Building $182,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 656 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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