720 Francis Ln, Covington, KY 41011 Property Records

Kenton County property record for 720 Francis Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,077 sqft · built 1963
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Mar 2022)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-08-005.01`

Property Details

APN / Parcel Number

Primary APN	`055-20-08-005.01`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,077 sqft Finished Area
Gross Area	1,487 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	150 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

Location & Zoning

Street Address	720 FRANCIS LN
City	COVINGTON
State	KY
Zip	41011-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 5TH ADDN PT LOTS 47-48
Legal Subdivision	MONTE CASINO
Legal Phase	5
Legal Lot Number	47,48
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	65100

Owner

720 Francis Ln is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	720 FRANCIS LN, COVINGTON, KY 41011-3917
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
Mar 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2017	Warranty Deed, Transfer · FHA Mortgage COMMONWEALTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Prior Sale	Nov 27, 2017 · Amount on File
Deed Document Number	2022190
Deed Book / Page	157 / 30
Prior Transfer Date	Mar 25, 2022
Prior Transfer Doc	0005900190
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Mar 31, 2022
Property Address	720 FRANCIS LN, COVINGTON, KY 41011-3917
Document Number	0005900190
Book / Page	157 / 30
Map Reference	PL 751-D
Instrument Date	Mar 25, 2022
Instrument	22033105900190
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	720 FRANCIS LN, COVINGTON, KY 41011-3917

Mortgage

Document Number	0005900191
Date	Mar 31, 2022
Book Page	355/839
Instrument	22033105900191

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 27, 2017
Property Address	720 FRANCIS LN, COVINGTON, KY 41011-3917
Document Number	0000000094
Book / Page	0C6300 / 000280
Instrument Date	Nov 21, 2017
Instrument	94
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$107.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 FRANCIS LN COVINGTON KY 410113917, COVINGTON, KY 41011-3917

Mortgage

Document Number	96
Date	Nov 27, 2017
Book Page	0C6300/000285
Instrument	96

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 720 Francis Ln was $2,385.

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		$180,000 (-) Land $25,000 Building $155,000	$180,000 (-) Land $25,000 Building $155,000
2025	$2,385.00	$180,000 Land $15,000 Building $165,000	$180,000 Land $15,000 Building $165,000
2023	$2,397.00	$180,000 Land $15,000 Building $165,000	$180,000 Land $15,000 Building $165,000

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

Flood

FEMA maps place 720 Francis 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 720 Francis 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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