709 Francis Ln, Covington, KY 41011 Property Records

Kenton County property record for 709 Francis Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,866 sqft · built 1960
Lot Size	0.547 acres (23,815 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jul 2022)
Tax Bill	$3,445 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-08-002.03`

Property Details

APN / Parcel Number

Primary APN	`055-20-08-002.03`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,866 sqft Finished Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	23,815 sqft (0.547 acres)
Lot Dimensions	433 ft deep x 55 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	709 FRANCIS LN
City	COVINGTON
State	KY
Zip	41011-3916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 5TH ADDN LOT 59 55'X 433.01' IN REAR
Legal Subdivision	MONTE CASINO
Legal Phase	5
Legal Lot Number	59
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
Census Tract	65100

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 FRANCIS LN, COVINGTON, KY 41011-3916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	May 2, 1996 · Amount on Record
Deed Document Number	202226
Deed Book / Page	178 / 408
Prior Transfer Date	Apr 19, 2010
Prior Transfer Doc	0005900055
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2022
Property Address	709 FRANCIS LN, COVINGTON, KY 41011-3916
Document Number	0005900026
Book / Page	178 / 408
Map Reference	PL 751-D
Instrument Date	Jul 15, 2022
Instrument	22072105900026
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

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	116 VERNON DR, 116, CRESTVIEW HILLS, KY 41017-2244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 FRANCIS LN, COVINGTON, KY 41011-3916

Mortgage

Document Number	0005900027
Date	Jul 21, 2022
Book Page	390/797
Instrument	22072105900027

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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		$260,000 (-) Land $25,000 Building $235,000	$260,000 (-) Land $25,000 Building $235,000
2025	$3,445.00 (-0.52%)	$260,000 (-) Land $15,000 Building $245,000	$260,000 (-) Land $15,000 Building $245,000
2023	$3,463.00	$260,000 Land $15,000 Building $245,000	$260,000 Land $15,000 Building $245,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1993 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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 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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