641 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 641 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,980 sqft · built 1860
Lot Size	0.051 acres (2,250 sqft)
Owner	Individual Name on Record
Last Sale	$524,999 (May 2023)
Tax Bill	$6,954 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-09-022.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-09-022.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,980 sqft Finished Area

Exterior

Year Built	Built 1860
Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,250 sqft (0.051 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0404309022.00
Street Address	641 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X90 PT LOT 18 BLK 34 WR&L WS BAKEWELL 25' N 7TH
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	34
Legal Block	34
Legal Lot Number	18
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 November 27, 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 Record
Co-owner	Co-owner on Record
Mailing Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Jul 13, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	0000228817
Deed Book / Page	228 / 817
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 30, 2023
Property Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0005900143
Book / Page	KC 228 / 817
Map Reference	PL 356
Instrument Date	May 26, 2023
Instrument	23053005900143
Transaction Type	Transfer
Record Updated	Jun 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225

Mortgage

Document Number	0005900144
Date	May 30, 2023
Instrument	23053005900144

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2021
Property Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0005900065
Book / Page	105 / 328
Map Reference	PL 356
Instrument Date	Jun 29, 2021
Instrument	21072105900065
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27471 W CUBA RD, 27471, BARRINGTON, IL 60010-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225

Mortgage

Document Number	0005900066
Date	Jul 21, 2021
Book Page	245/547
Instrument	21072105900066

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.87%
Index	1-Year CMT
Margin	3
Max Rate	7.87%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	641 BAKEWELL ST, COVINGTON, KY 41011-1225
Document Number	0000000133
Instrument Date	Jul 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 BAKEWELL ST COVINGTON KY 410111225, COVINGTON, KY 41011-1225

Mortgage

Document Number	0000000133
Date	Jul 26, 2019
Book Page	0C6715/000066
Instrument	133

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$6,954.00 (+10.5%)	$524,900 (+11.09%) Land $10,000 Building $514,900	$524,900 (+11.09%) Land $10,000 Building $514,900
2023	$6,293.00	$472,500 Land $10,000 Building $462,500	$472,500 Land $10,000 Building $462,500

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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