637 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 637 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,806 sqft · built 1886
Lot Size	0.052 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Aug 2022)
Tax Bill	$4,173 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-09-020.03`

Property Details

APN / Parcel Number

Primary APN	`040-43-09-020.03`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,806 sqft Finished Area
Gross Area	2,268 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Duplex Single
Exterior Material	Brick
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	637 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X90 PT LOT 19 BLK 34 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	34
Legal Block	34
Legal Lot Number	19
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

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	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage CITIZENS FSLA
Aug 19, 2022	Deed of Trust, Mortgage · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Apr 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Mar 12, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 12, 2018	Loan Modification, Mortgage · Conventional Mortgage ROBBERT L KINNEY
Mar 3, 2017	Warranty Deed, Construction Loan · Construction Mortgage ROBBERT L KINNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Mar 3, 2017 · Amount on Record
Deed Document Number	2022226
Deed Book / Page	185 / 71
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900258
Date	May 18, 2022
Book Page	371/502
Instrument	22051805900258

Lender

Name	CITIZENS FSLA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	NORWEST TITLE, NORTHWEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900227
Date	Aug 19, 2022
Book Page	400/1
Instrument	22081905900227

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000073
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

Mortgage

Document Number	0000000073
Date	May 3, 2018
Book Page	0C6403/000147
Instrument	73

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 12, 2018
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000060
Book / Page	0C6369 / 000056
Instrument Date	Mar 8, 2018
Instrument	60
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000277
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000000277
Date	Feb 13, 2018
Book Page	0C6353/000184
Instrument	277

Lender

Name	ROBBERT L KINNEY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 3, 2017
Property Address	637 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000361
Book / Page	0C6108 / 000098
Instrument Date	Mar 2, 2017
Instrument	361
Transaction Type	Construction Loan
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$78.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	637 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

Mortgage

Document Number	362
Date	Mar 3, 2017
Book Page	0C6108/000101
Instrument	362

Lender

Name	ROBBERT L KINNEY
Address	813 WILLARD ST, COVINGTON, KY 41011-1360

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 2, 2018

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		$315,000 (-) Land $10,000 Building $305,000	$315,000 (-) Land $10,000 Building $305,000
2025	$4,173.00 (-0.52%)	$315,000 (-) Land $10,000 Building $305,000	$315,000 (-) Land $10,000 Building $305,000
2023	$4,195.00	$315,000 Land $10,000 Building $305,000	$315,000 Land $10,000 Building $305,000

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 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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