Kenton County property record for 636 Pointe Benton Ln, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,186 sqft · built 1990 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $332,889 (Nov 2022) |
| Tax Bill | $4,770 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-21-01-141.00 |
| Primary APN | 055-21-01-141.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,186 sqft Finished Area |
| Gross Area | 3,026 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 636 POINTE BENTON LN |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRANKLIN STREET URBAN RENEWAL PROJECT LOT 41 |
| Legal Subdivision | FRANKLIN ST URBAN REN PROJECT |
| Legal Lot Number | 41 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 65000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 636 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU |
| Nov 28, 2022 | Fiduciary Deed, Transfer · Conventional Mortgage OPTION FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2022 · Amount on Record |
| Deed Sale | Nov 28, 2022 · Amount on Record |
| Deed Document Number | 2022285 |
| Deed Book / Page | 202 / 632 |
| Last Transfer Date | Apr 26, 2024 |
| Transfer Doc | 0005900083 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 636 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 636 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Document Number | 0005900022 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | KCM 688/751 |
| Instrument | 25091905900022 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 28, 2022 |
| Property Address | 636 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Document Number | 0005900285 |
| Book / Page | 202 / 632 |
| Map Reference | PL 1161 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 22112805900285 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2022 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1089 NEW DOVER RD, EDISON, NJ 08820-1421 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 636 POINTE BENTON LN, COVINGTON, KY 41014-1100 |
| Document Number | 0005900286 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 22112805900286 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $370,000 (+2.78%) Land $40,000 Building $330,000 | $370,000 (+2.78%) Land $40,000 Building $330,000 | |
| 2025 | $4,770.00 (-0.52%) | $360,000 (-) Land $20,000 Building $340,000 | $360,000 (-) Land $20,000 Building $340,000 |
| 2023 | $4,795.00 | $360,000 Land $20,000 Building $340,000 | $360,000 Land $20,000 Building $340,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures