722 Francis Ln, Covington, KY 41011 Property Records

Kenton County property record for 722 Francis Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1944
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2024)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-08-006.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-08-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,232 sqft Finished Area

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 48 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	722 FRANCIS LN
City	COVINGTON
State	KY
Zip	41011-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 5TH ADDN W 14.40' LOT 4 & E 33.60' LOT 49
Legal Subdivision	MONTE CASINO
Legal Phase	5
Legal Lot Number	48,49
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	65100

Owner

722 Francis Ln is owned and occupied by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	722 FRANCIS LN, COVINGTON, KY 41011-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 2, 2018	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	May 2, 2018 · Amount on File
Deed Document Number	2024153
Deed Book / Page	308 / 56
Prior Transfer Date	Oct 4, 1999
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	722 FRANCIS LN, COVINGTON, KY 41011-3917
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900132
Date	Apr 22, 2021
Book Page	206/313
Instrument	21042205900132

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 2, 2018
Property Address	722 FRANCIS LN, COVINGTON, KY 41011-3917
Document Number	0000000145
Book / Page	0C6402 / 000134
Instrument Date	Apr 30, 2018
Instrument	145
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 FRANCIS LN COVINGTON KY 410113917, COVINGTON, KY 41011-3917

Mortgage

Document Number	146
Date	May 2, 2018
Book Page	0C6402/000137
Instrument	146

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 722 Francis Ln was $2,848.

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		$215,000 (-) Land $25,000 Building $190,000	$215,000 (-) Land $25,000 Building $190,000
2025	$2,848.00	$215,000 Land $15,000 Building $200,000	$215,000 Land $15,000 Building $200,000
2023	$2,025.00	$152,100 Land $15,000 Building $137,100	$152,100 Land $15,000 Building $137,100

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

Flood

FEMA maps place 722 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 722 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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