634 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 634 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,288 sqft · built 1925
Lot Size	0.052 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Apr 2017)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-032.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-032.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,288 sqft Finished Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,250 sqft (0.052 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	634 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X90 PT LOT 13 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	13
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 October 20, 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	634 BAKEWELL ST, COVINGTON, KY 41011-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Jan 30, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Apr 4, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2017 · Amount on Record
Deed Sale	Apr 4, 2017 · Amount on Record
Prior Sale	Mar 7, 2007 · Amount on Record
Deed Document Number	201704 04 059 00124
Deed Book / Page	6129 / 278
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	634 BAKEWELL ST, COVINGTON, KY 41011-1226
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 BAKEWELL ST, COVINGTON, KY 41011-1226

Mortgage

Document Number	0000000332
Date	Jan 9, 2026
Book Page	KCM 723/972
Instrument	26059000000332

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	634 BAKEWELL ST, COVINGTON, KY 41011-1226
Document Number	0000000213
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	634 BAKEWELL ST COVINGTON KY 410111226, COVINGTON, KY 41011-1226

Mortgage

Document Number	0000000213
Date	Jun 10, 2020
Book Page	000M54/000675
Instrument	213

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	634 BAKEWELL ST, COVINGTON, KY 41011-1226
Document Number	0000000068
Instrument Date	Jan 30, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	634 BAKEWELL ST COVINGTON KY 410111226, COVINGTON, KY 41011-1226

Mortgage

Document Number	0000000068
Date	Mar 7, 2019
Book Page	0C6613/000313
Instrument	68

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2049

Interest

Rate Type	Adjustable Rate

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2017
Property Address	634 BAKEWELL ST, COVINGTON, KY 41011-1226
Document Number	0000000124
Book / Page	0C6129 / 000278
Instrument Date	Mar 31, 2017
Instrument	124
Transaction Type	Subdivision Related Transfer
Record Updated	May 17, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 BAKEWELL ST COVINGTON KY 410111226, COVINGTON, KY 41011-1226

Mortgage

Document Number	126
Date	Apr 4, 2017
Book Page	0C6129/000282
Instrument	126

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2047

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		$295,900 (-) Land $10,000 Building $285,900	$295,900 (-) Land $10,000 Building $285,900
2025	$3,920.00 (-0.53%)	$295,900 (-) Land $10,000 Building $285,900	$295,900 (-) Land $10,000 Building $285,900
2023	$3,941.00	$295,900 Land $10,000 Building $285,900	$295,900 Land $10,000 Building $285,900

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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