620 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 620 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,136 sqft · built 1886
Lot Size	0.05 acres (2,160 sqft)
Owner	Individual Name on Record
Last Sale	$54,900 (Jan 2012)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-039.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-039.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,136 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	2,160 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 24 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	620 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	24X90 PT LOT 9 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	9
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	60300

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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 5, 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	620 BAKEWELL ST, COVINGTON, KY 41011-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Construction Mortgage U S BANK N A
Nov 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2012 · Amount on Record
Deed Sale	Jan 3, 2012 · Amount on Record
Prior Sale	Oct 2, 2007 · Amount on Record
Deed Document Number	201201 03 059 00267
Deed Book / Page	4740 / 190
Prior Transfer Date	May 10, 2011
Prior Transfer Doc	0005900185
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2026
Property Address	620 BAKEWELL ST, COVINGTON, KY 41011-1226
Document Number	0000007532
Book / Page	414 / 952
Instrument Date	Apr 4, 2026
Instrument	20267532
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 BAKEWELL ST, COVINGTON, KY 41011-1226

Mortgage

Document Number	0000007532,
Date	Apr 20, 2026
Book Page	414/952
Instrument	20267532

Lender

Name	U S BANK N A

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 14, 2036

Interest

Rate	6%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	620 BAKEWELL ST, COVINGTON, KY 41011-1226
Transaction Type	Mortgage
Record Updated	Dec 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900117
Date	Nov 17, 2022
Book Page	422/172
Instrument	22111705900117

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

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	$1,590.00 (-0.5%)	$120,000 (-) Land $10,000 Building $110,000	$120,000 (-) Land $10,000 Building $110,000
2023	$1,598.00	$120,000 Land $10,000 Building $110,000	$120,000 Land $10,000 Building $110,000

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

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

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 607 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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