711 Craig St, Covington, KY 41011 Property Records

Kenton County property record for 711 Craig St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,972 sqft
Lot Size	0.067 acres (2,929 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Feb 2023)
Tax Bill	$4,968 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-11-010.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-11-010.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,972 sqft Finished Area
Gross Area	2,308 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,929 sqft (0.067 acres)
Lot Dimensions	101 ft deep x 29 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	711 CRAIG ST
City	COVINGTON
State	KY
Zip	41011-2326
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREERS ADDN BLK 35 PT LOTS 14-15 29'X 101'
Legal Subdivision	GREERS ADDN
Legal Phase	35
Legal Block	35
Legal Lot Number	14,15
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	711 CRAIG ST, COVINGTON, KY 41011-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Line of Credit COVE FCU
Feb 24, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 27, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Sep 24, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC
Aug 10, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	202335
Deed Book / Page	214 / 921
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0000000326
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	711 CRAIG ST, COVINGTON, KY 41011-2326
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900082
Date	Oct 2, 2023
Book Page	KCM 496/314
Instrument	23100205900082

Lender

Name	COVE FCU
Type	Credit Union
Address	FT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 24, 2023
Property Address	711 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0005900035
Book / Page	KC 214 / 921
Map Reference	PL 95
Instrument Date	Feb 22, 2023
Instrument	23022405900035
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	360 AMERICAN TITLE SERVICES, 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	243 ELM ST, LUDLOW, KY 41016-1547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 CRAIG ST, COVINGTON, KY 41011-2326

Mortgage

Document Number	0005900036
Date	Feb 24, 2023
Instrument	23022405900036

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 27, 2021
Property Address	711 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0005900171
Book / Page	120 / 548
Map Reference	PL 95
Instrument Date	Sep 16, 2021
Instrument	21092705900171
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 DRPHARNGE ROAD, 56, FT MITCHELL, KY 41017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 ELM ST, LUDLOW, KY 41016-1547

Mortgage

Document Number	0005900172
Date	Sep 27, 2021
Instrument	21092705900172

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 16, 2022

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 24, 2021
Property Address	711 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0005900237
Book / Page	120 / 195
Map Reference	PL 95
Instrument Date	Sep 16, 2021
Instrument	21092405900237
Transaction Type	Transfer
Record Updated	Aug 10, 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	150 BRONTE PL, 150, GEORGETOWN, KY 40324-2324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 DRPHCAGE ROAD, FT MITCHELL, KY 41017
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900238
Date	Sep 24, 2021
Book Page	277/417
Instrument	21092405900238

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 16, 2022

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Aug 10, 2021
Property Address	711 CRAIG ST, COVINGTON, KY 41011-2326
Document Number	0005900075
Book / Page	109 / 485
Map Reference	PL 95
Instrument Date	Aug 4, 2021
Instrument	21081005900075
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2024 BLUEGRASS PL, 2024, INDEPENDENCE, KY 41051-7900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 RANSOM TRCE, GEORGETOWN, KY 40324-2093
Investor	Possibly a Property Investor

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		$375,000 (-) Land $10,000 Building $365,000	$375,000 (-) Land $10,000 Building $365,000
2025	$4,968.00 (+198.38%)	$375,000 (+2%) Land $5,000 Building $370,000	$375,000 (+2%) Land $5,000 Building $370,000
2023	$1,665.00	$125,000 Land $5,000 Building $120,000	$125,000 Land $5,000 Building $120,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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