535 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 535 Scott St, Covington, KY 41011

Property Summary

Property Type	City, Municipal, Town, Village Owned (Exempt)
Details	6 ba · 3,752 sqft · built 1899
Lot Size	0.072 acres (3,127 sqft)
Owner	Company Name on Record
Last Sale	$806,000 (Feb 2021)
Deeds & Mortgages	Aug 2026 Construction Loan Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-05-016.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-05-016.00`

Interior

Units	8 Units

Exterior

Lot Area	3,127 sqft (0.072 acres)
Lot Dimensions	92.5 ft deep x 33.8 ft wide

Location & Zoning

Street Address	535 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-1529
Property Category	Public Works
Property Type	Public Works > City, Municipal, Town, Village Owned (Exempt)
Legal Description	ORIGINAL PLAT OF COV PT LOT 344 33.75'X 92.5' NWC 6TH & SCOTT
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	344
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
Census Tract	67000

Historic Designation

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

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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	Company Name on Record
Mailing Address	20 W PIKE ST, 1, COVINGTON, KY 41011-3063
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL NW BANK
Jun 21, 2022	Warranty Deed, Transfer
Feb 23, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Prior Sale	Sep 1, 2010 · Amount on Record
Deed Document Number	20215900046
Deed Book / Page	73 / 406
Prior Transfer Date	Feb 3, 2021
Prior Transfer Doc	0005900046
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Aug 3, 2026
Property Address	535 SCOTT ST, COVINGTON, KY 41011-1529
Document Number	0000017110
Book / Page	472 / 281
Instrument Date	Jul 16, 2026
Instrument	202617110
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1021 MADISON AVE, COVINGTON, KY 41011-3171

Mortgage

Document Number	0000017110,
Date	Aug 3, 2026
Book Page	472/281
Instrument	202617110

Lender

Name	FIRST FINANCIAL NW BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 1, 2033

Interest

Rate	6.47%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 21, 2022
Property Address	535 SCOTT ST, COVINGTON, KY 41011-1529
Document Number	0005900002
Book / Page	172 / 135
Instrument Date	Jun 9, 2022
Instrument	22062105900002
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 W ROBBINS ST, COVINGTON, KY 41011-3005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W PIKE ST, PARK HILLS, KY 41011-2711
Investor	Possibly a Property Investor

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 23, 2021
Property Address	535 SCOTT ST, COVINGTON, KY 41011-1529
Document Number	0005900046
Book / Page	73 / 406
Instrument Date	Feb 3, 2021
Instrument	21022305900046
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Tax	$8.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30E 8TH STREET #200 # 200, 200, NEWPORT, KY 41071

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		$105,000 (-) Land $105,000	$105,000 (-) Land $105,000
2025		$105,000 (-) Land $105,000	$105,000 (-) Land $105,000
2023	Additional exemption filed	$105,000 Land $105,000	$105,000 Land $105,000

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

Flood

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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