633 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 633 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,055 sqft · built 1890
Lot Size	0.038 acres (1,665 sqft)
Owner	2 Individual Names on File
Last Sale	$402,500 (Mar 2022)
Tax Bill	$5,333 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-09-020.01`

Property Details

APN / Parcel Number

Primary APN	`040-43-09-020.01`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,055 sqft Finished Area
Gross Area	2,154 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,665 sqft (0.038 acres)
Lot Dimensions	90 ft deep x 18.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	633 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18.5X90 PT LOT 20 BLK 34 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	34
Legal Block	34
Legal Lot Number	20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2008
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

633 Bakewell St is owned and occupied by two individuals who bought it in March 2022.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 3, 2022	Warranty Deed, Transfer LAWYERS TITLE, LAWYERS TITLE OF CINCINNATI
Aug 5, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN FIN'L NTWK INC
Nov 19, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Prior Sale	May 9, 2016 · Amount on File
Deed Document Number	2022132
Deed Book / Page	151 / 245
Prior Transfer Date	Dec 30, 2014
Prior Transfer Doc	0005900089
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225
Transaction Type	Mortgage
Record Updated	Jun 14, 2022
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900100
Date	May 31, 2022
Book Page	374/405
Instrument	22053105900100

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 3, 2022
Property Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0005900132
Book / Page	151 / 245
Instrument Date	Feb 28, 2022
Instrument	22030305900132
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	LAWYERS TITLE, LAWYERS TITLE OF CINCINNATI

Transaction

Amount	Amount on Record
Tax	$402.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 MATSON PL UNIT 903, 810, CINCINNATI, OH 45204-1445

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000232
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	633 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

Mortgage

Document Number	0000000232
Date	Nov 30, 2020
Book Page	00M132/000921
Instrument	232

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	633 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000320
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	633 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

Mortgage

Document Number	0000000320
Date	Dec 4, 2019
Book Page	0C6818/000142
Instrument	320

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 633 Bakewell St was $5,333.

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		$402,500 (-) Land $10,000 Building $392,500	$402,500 (-) Land $10,000 Building $392,500
2025	$5,333.00	$402,500 Land $10,000 Building $392,500	$402,500 Land $10,000 Building $392,500
2023	$5,361.00	$402,500 Land $10,000 Building $392,500	$402,500 Land $10,000 Building $392,500

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

Flood

FEMA maps place 633 Bakewell St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 633 Bakewell St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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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