709 Craig St, Covington, KY 41011 Property Records

Kenton County property record for 709 Craig St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,375 sqft · built 1890
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Apr 2017)
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-11-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-11-009.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,375 sqft Finished Area
Gross Area	3,455 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 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	709 CRAIG ST
City	COVINGTON
State	KY
Zip	41011-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 35 PT LOT 15 25'X 100'
Legal Subdivision	GREERS ADDN
Legal Phase	35
Legal Block	35
Legal Lot Number	15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
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	709 CRAIG ST, COVINGTON, KY 41011-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Apr 14, 2017	Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	Mar 3, 2015 · Amount on Record
Deed Document Number	201704 14 059 00063
Deed Book / Page	6136 / 137
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	709 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0000000043
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 CRAIG ST COVINGTON KY 410112326, COVINGTON, KY 41011-2326

Mortgage

Document Number	0000000043
Date	Jan 14, 2021
Book Page	00M154/000255
Instrument	43

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 14, 2017
Property Address	709 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0000000063
Book / Page	0C6136 / 000137
Instrument Date	Apr 11, 2017
Instrument	63
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 CRAIG ST COVINGTON KY 410112326, COVINGTON, KY 41011-2326

Mortgage

Document Number	65
Date	Apr 14, 2017
Book Page	0C6136/000140
Instrument	65

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

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		$343,300 (-) Land $10,000 Building $333,300	$343,300 (-) Land $10,000 Building $333,300
2025	$4,548.00 (-0.52%)	$343,300 (-) Land $5,000 Building $338,300	$343,300 (-) Land $5,000 Building $338,300
2023	$4,572.00	$343,300 Land $5,000 Building $338,300	$343,300 Land $5,000 Building $338,300

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	None beyond 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 656 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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