719 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 719 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,025 sqft · built 1961
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,285 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-012.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,025 sqft Finished Area
Gross Area	1,275 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	719 MONTE LN
City	COVINGTON
State	KY
Zip	41011-3983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 2ND ADDN LOT 13
Legal Subdivision	MONTE CASINO
Legal Phase	2
Legal Lot Number	13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
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	2 Individual Names on Record
Mailing Address	719 MONTE LN, COVINGTON, KY 41011-3983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Jan 28, 2020	Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	719 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0000000119
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	719 MONTE LN COVINGTON KY 410113983, COVINGTON, KY 41011-3983

Mortgage

Document Number	0000000119
Date	Oct 12, 2020
Book Page	00M110/000123
Instrument	119

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 28, 2020
Property Address	719 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0000000194
Book / Page	000004 / 000409
Instrument Date	Jan 24, 2020
Instrument	194
Transaction Type	Transfer
Record Updated	Mar 20, 2020
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	$97.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	719 MONTE LN COVINGTON KY 410113983, COVINGTON, KY 41011-3983

Mortgage

Document Number	195
Date	Jan 28, 2020
Book Page	0000M7/000100
Instrument	195

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

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		$156,000 (+60.82%) Land $25,000 Building $131,000	$156,000 (+60.82%) Land $25,000 Building $131,000
2025	$1,285.00 (-0.54%)	$97,000 (-) Land $15,000 Building $82,000	$97,000 (-) Land $15,000 Building $82,000
2023	$1,292.00	$97,000 Land $15,000 Building $82,000	$97,000 Land $15,000 Building $82,000

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

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	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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