Kenton County property record for 651 Pointe Benton Ln, Covington, KY 41014 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1990 |
| Square Footage | 2,560 sqft Finished Area |
| Lot Size | 5,227 sqft (0.12 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $500,499 (2026) |
| Tax Bill | $4,516.00 (2025) |
| Primary APN | 055-21-01-188.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,560 sqft Finished Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,227 sqft (0.12 acres) |
| Depth X Width | 105 ft x 56 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 651 POINTE BENTON LN |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1171 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | FRANKLIN STREET URBAN RENEWAL PROJECT LOT 88 |
| Legal Subdivision | FRANKLIN ST URBAN REN PROJECT |
| Legal Lot Number | 88 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2003 |
| Census Tract | 65100 |
Source: Kenton County records · APN 055-21-01-188.00
Assessment roll updated December 2, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 21, 2026 | Fiduciary Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST ST BK/ST CHARLES |
| Jun 13, 2019 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR |
| Jan 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) FIRST ST BK/ST CHARLES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on Record |
| Deed Sale | Apr 21, 2026 · Amount on Record |
| Prior Sale | Nov 24, 2021 · Amount on Record |
| Deed Doc Number | 20267752 |
| Deed Book / Page | 416 / 30 |
| Prior Transfer Date | Jun 24, 2024 |
| Prior Transfer Doc | 0005900107 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0000007752 |
| Book / Page | 416 / 30 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20267752 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50,550.50 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0000007753, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 202604217753 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 24, 2021 |
| Property Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0005900327 |
| Book / Page | 133 / 354 |
| Map Reference | PL 1161 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 21112405900327 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11053 CLAY DR, WALTON, KY 41094-7472 |
| Name | Verified Name |
|---|---|
| Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0005900328 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 21112405900328 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0000000019 |
| Instrument Date | Jul 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 651 POINTE BENTON LN COVINGTON KY 410141171, COVINGTON, KY 41014-1171 |
| Document Number | 0000000019 |
|---|---|
| Date | Aug 07, 2020 |
| Book Page | 000M79/000624 |
| Instrument | 19 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 06, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0000000294 |
| Instrument Date | Jun 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 651 POINTE BENTON LN COVINGTON KY 410141171, COVINGTON, KY 41014-1171 |
| Document Number | 0000000294 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 0C6734/000263 |
| Instrument | 294 |
| Name | REPUBLIC BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 19, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 23, 2018 |
| Property Address | 651 POINTE BENTON LN, COVINGTON, KY 41014-1171 |
| Document Number | 0000000187 |
| Book / Page | 0C6339 / 000224 |
| Instrument Date | Jan 16, 2018 |
| Instrument | 187 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 651 POINTE BENTON LN COVINGTON KY 410141171, COVINGTON, KY 41014-1171 |
| Document Number | 189 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | ORC633/000228 |
| Instrument | 189 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2048 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,516.00 (-1.31%) Homeowner's exemption | $390,000 (-) Land $20,000 Building $370,000 | $390,000 (-) Land $20,000 Building $370,000 |
| 2023 | $4,576.00 Homeowner's exemption | $390,000 Land $20,000 Building $370,000 | $390,000 Land $20,000 Building $370,000 |
651 Pointe Benton Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 4th percentile of exposed land nationally · 4th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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