635 W 19th St, Covington, KY 41014 Property Records

Kenton County property record for 635 W 19th St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 856 sqft · built 1919
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Feb 2024)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-21-01-004.00`

Property Details

APN / Parcel Number

Primary APN	`055-21-01-004.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	856 sqft Finished Area
Gross Area	1,014 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	635 W 19TH ST
City	COVINGTON
State	KY
Zip	41014-1181
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEIDEL J W LOT 2
Legal Subdivision	HEIDEL J W
Legal Lot Number	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3018
Census Tract	65000

Owner

Source: Kenton County assessment roll, as of December 2, 2025

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

Owner of Record	Individual Name on File
Mailing Address	635 W 19TH ST, COVINGTON, KY 41014-1181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 8, 2019	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Jan 8, 2019 · Amount on Record
Deed Document Number	2024107
Deed Book / Page	271 / 557
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	635 W 19TH ST, COVINGTON, KY 41014-1181
Transaction Type	Mortgage
Record Updated	Mar 13, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10310 CARDIGAN DR, UNION, KY 41091-7576

Mortgage

Document Number	0005900108
Date	Feb 27, 2024
Book Page	KCM 528/658
Instrument	24022705900108

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 8, 2019
Property Address	635 W 19TH ST, COVINGTON, KY 41014-1181
Document Number	0000000143
Book / Page	0C6579 / 000017
Instrument Date	Jan 7, 2019
Instrument	143
Transaction Type	Transfer
Record Updated	Jan 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 W 19TH ST COVINGTON KY 410141181, COVINGTON, KY 41014-1181

Mortgage

Document Number	144
Date	Jan 8, 2019
Book Page	0C6579/000020
Instrument	144

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2049

Mortgage

Document Number	145,
Date	Jan 8, 2019
Book Page	0C6579/000036
Instrument	145

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 7, 2029

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	$2,332.00 (+45.93%)	$176,000 (+46.67%) Land $5,000 Building $171,000	$176,000 (+46.67%) Land $5,000 Building $171,000
2023	$1,598.00	$120,000 Land $5,000 Building $115,000	$120,000 Land $5,000 Building $115,000

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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

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