707 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 707 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,000 sqft · built 1965
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Jun 2021)
Tax Bill	$2,332 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-002.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-002.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,000 sqft Finished Area
Gross Area	1,272 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	707 MONTE LN
City	COVINGTON
State	KY
Zip	41011-3983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 1ST ADDN E 40' LOT 9
Legal Subdivision	MONTE CASINO
Legal Phase	1
Legal Lot Number	9
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	65100

Owner

707 Monte Ln is owned and occupied by two individuals who bought it in June 2021.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	707 MONTE LN, COVINGTON, KY 41011-3983
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Warranty Deed, Transfer · FHA Mortgage MLD MORTGAGE
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	May 23, 2014 · Amount on File
Deed Document Number	20215900148
Deed Book / Page	99 / 125
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 21, 2021
Property Address	707 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0005900148
Book / Page	99 / 125
Map Reference	PL 751
Instrument Date	Jun 10, 2021
Instrument	21062105900148
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	LAWYERS TITLE, LAWYERS TITLE OF CINCINNATI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 MONTE LN, 707, COVINGTON, KY 41011-3983

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	707 MONTE LN, COVINGTON, KY 41011-3983

Mortgage

Document Number	0005900149
Date	Jun 21, 2021
Instrument	21062105900149

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	707 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0000000071
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 MONTE LN COVINGTON KY 410113983, COVINGTON, KY 41011-3983

Mortgage

Document Number	0000000071
Date	Aug 24, 2020
Book Page	000M86/000925
Instrument	71

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 707 Monte Ln was $2,332.

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		$176,000 (-) Land $25,000 Building $151,000	$176,000 (-) Land $25,000 Building $151,000
2025	$2,332.00	$176,000 Land $15,000 Building $161,000	$176,000 Land $15,000 Building $161,000
2023	$2,344.00	$176,000 Land $15,000 Building $161,000	$176,000 Land $15,000 Building $161,000

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

Flood

FEMA maps place 707 Monte Ln in Zone X, an area of minimal flood risk.

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

The area around 707 Monte Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 384 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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