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636 Wayne Rd, Covington, KY 41011 Property Records

Kenton County property record for 636 Wayne Rd, Covington, KY 41011

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,537 sqft · built 1965
Lot Size1.99 acres (86,775 sqft)
OwnerIndividual Name on File
Tax Bill$2,981 (2025)
Deeds & MortgagesJul 2020 Mortgage
Oct 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN040-23-01-012.00

Property Details

APN / Parcel Number

Primary APN040-23-01-012.00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,537 sqft Finished Area
Gross Area1,881 sqft
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area86,775 sqft
Lot Dimensions278 ft deep x 312 ft wide
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0402301012.00
Street Address636 WAYNE RD
CityCOVINGTON
StateKY
Zip41011-1182
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNNUM LOT WOOTONS RESUB SUNSET RD SEC KENTON HILLS 312.14X278 IRREG ON WS WAYNE R
Legal SubdivisionKENTON HILLS
Legal Lot NumberWOOTO
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4004
Census Tract63800

Owner

Source: Kenton County records · APN 040-23-01-012.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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 Address636 WAYNE RD, COVINGTON, KY 41011-1182
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 03, 2020Deed of Trust, Mortgage · Conventional Mortgage
US BK
Oct 01, 2019Deed of Trust, Mortgage · Line of Credit
US BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 29, 2002
Deed SaleApr 29, 2002
Deed Document Number0000103595
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address636 WAYNE RD, COVINGTON, KY 41011-1182
Document Number0000000226
Instrument DateJul 03, 2020
Transaction TypeMortgage
Record UpdatedSep 18, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address636 WAYNE RD COVINGTON KY 410111182, COVINGTON, KY 41011-1182

Mortgage

Document Number0000000226
DateAug 20, 2020
Book Page000M86/000106
Instrument226
Lender
NameUS BK
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 19, 2040

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address636 WAYNE RD, COVINGTON, KY 41011-1182
Document Number0000000187
Instrument DateOct 01, 2019
Transaction TypeMortgage
Record UpdatedNov 20, 2019
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address636 WAYNE RD COVINGTON KY 410111182, COVINGTON, KY 41011-1182

Mortgage

Document Number0000000187
DateOct 31, 2019
Book Page0C6792/000228
Instrument187
Lender
NameUS BK
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueOct 30, 2029
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,981.00 (-7.88%) Homeowner's exemption$350,000 (-) Land $75,000 Building $275,000$350,000 (-) Land $75,000 Building $275,000
2023$3,236.00 Homeowner's exemption$350,000 Land $75,000 Building $275,000$350,000 Land $75,000 Building $275,000

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
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 248 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000

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

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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