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621 Thomas St, Covington, KY 41014 Property Records

Kenton County property record for 621 Thomas St, Covington, KY 41014 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,232 sqft · built 1962
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on File
Last Sale$188,000 (Apr 2023)
Tax Bill$2,491 (2025)
Deeds & MortgagesMay 2026 Mortgage
Apr 2024 Mortgage
+ 3 more
Flood ZoneZone X (reduced by levee)
APN055-32-26-003.00

Property Details

APN / Parcel Number

Primary APN055-32-26-003.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Units4 Units
Stories1 Story
Building Area1,232 sqft Finished Area
Gross Area1,428 sqft

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area4,792 sqft (0.11 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address621 THOMAS ST
CityCOVINGTON
StateKY
Zip41014-1481
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHOMAS SUB LOT 176 BLK 10
Legal SubdivisionTHOMAS
Legal Phase10
Legal Block10
Legal Lot Number176
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1008
Census Tract61000

Owner

Source: Kenton County records · APN 055-32-26-003.00

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address621 THOMAS ST, COVINGTON, KY 41014-1481
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 16, 2026Deed of Trust, Mortgage · FHA Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Apr 19, 2024Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Apr 10, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 05, 2017Warranty Deed, Transfer · Line of Credit
CALIBER HM LOANS
Aug 31, 2017Deed of Trust, Mortgage · FHA Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 10, 2023 · Amount on Record
Deed SaleApr 10, 2023 · Amount on Record
Prior SaleSep 05, 2017 · Amount on Record
Deed Document Number202356
Deed Book / Page221 / 210
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Recording DateMay 16, 2026
Property Address621 THOMAS ST, COVINGTON, KY 41014-1481
Document Number0000010271
Book / Page433 / 111
Instrument DateApr 08, 2026
Instrument202610271
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address621 THOMAS ST, COVINGTON, KY 41014-1481

Mortgage

Document Number0000010271,
DateMay 16, 2026
Book Page433/111
Instrument202610271
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPMEN
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term479 Months
DueApr 01, 2066
Interest
Rate6.11%
Max Rate-1%

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address621 THOMAS ST, COVINGTON, KY 41014-1481
Transaction TypeMortgage
Record UpdatedMay 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address621 THOMAS ST, COVINGTON, KY 41014-1481

Mortgage

Document Number0005900017
DateApr 19, 2024
Book PageKCM542/110
Instrument24041905900017
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Address8950 CYPRESS WATERS BLVD # 100, COPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term349 Months
DueMay 01, 2053

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateApr 10, 2023
Property Address621 THOMAS ST, COVINGTON, KY 41014-1481
Document Number0005900056
Book / PageKC 221 / 210
Map ReferencePL 325
Instrument DateApr 06, 2023
Instrument23041005900056
Transaction TypeTransfer
Record UpdatedMay 09, 2023
Title CompanyACCOMMODATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address621 THOMAS ST, COVINGTON, KY 41014-1481

Transferred To (Grantee/Buyer)

NameVerified Name
Address621 THOMAS ST, COVINGTON, KY 41014-1481

Mortgage

Document Number0005900057
DateApr 10, 2023
Book PageKCM 452/488
Instrument23041005900057
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 05, 2017
Property Address621 THOMAS ST, COVINGTON, KY 41014-1481
Document Number0000000266
Book / Page0C6240 / 000274
Instrument DateAug 31, 2017
Instrument266
Transaction TypeTransfer
Record UpdatedFeb 20, 2018
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$84.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address621 THOMAS ST COVINGTON KY 410141481, COVINGTON, KY 41014-1481

Mortgage

Document Number271
DateSep 05, 2017
Book Page0C6240/000297
Instrument271
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueSep 04, 2027
Interest
Rate TypeAdjustable Rate

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address621 THOMAS ST, COVINGTON, KY 41014-1481
Document Number0000000268
Instrument DateAug 31, 2017
Transaction TypeMortgage
Record UpdatedJan 10, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address621 THOMAS ST COVINGTON KY 410141481, COVINGTON, KY 41014-1481

Mortgage

Document Number0000000268
DateSep 05, 2017
Book PageORC624/000277
Instrument268
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 04, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,491.00 (+121.42%)$188,000 (+122.49%) Land $5,000 Building $183,000$188,000 (+122.49%) Land $5,000 Building $183,000
2023$1,125.00$84,500 Land $5,000 Building $79,500$84,500 Land $5,000 Building $79,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardReduced by levee
depends on levee performance
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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 · Last verified October 2026

Historic DistrictWithin 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.

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