723 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 723 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1962
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$148,500 (Apr 2022)
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jan 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-016.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-016.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	850 sqft Finished Area
Gross Area	1,150 sqft

Exterior

Year Built	Built 1962
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0552010016.00
Street Address	723 MONTE LN
City	COVINGTON
State	KY
Zip	41011-3983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 3RD ADDN LOT 23
Legal Subdivision	MONTE CASINO
Legal Phase	3
Legal Lot Number	23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	65100

Owner

Source: Kenton County records, as of November 27, 2025

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
Co-owner	Co-owner on Record
Mailing Address	723 MONTE LN, COVINGTON, KY 41011-3983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jan 30, 2020	Loan Modification, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on Record
Deed Sale	Apr 19, 2022 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Document Number	0000160502
Deed Book / Page	160 / 502
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 19, 2022
Property Address	723 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0005900064
Book / Page	160 / 502
Map Reference	MB 751-B
Instrument Date	Apr 15, 2022
Instrument	22041905900064
Transaction Type	Transfer
Record Updated	Apr 29, 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	55 FLEMING DR, 55, INDEPENDENCE, KY 41051-8515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	723 MONTE LN, COVINGTON, KY 41011-3983

Mortgage

Document Number	0005900065
Date	Apr 19, 2022
Book Page	362/290
Instrument	22041905900065

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	723 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0000320255
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 MONTE LN COVINGTON KY 410113983, COVINGTON, KY 41011-3983

Mortgage

Document Number	0000320255
Date	Jul 16, 2020
Book Page	000032/000255

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Jul 15, 2060

Interest

Rate Type	Fixed Rate
Rate	3.62%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 1, 2018
Property Address	723 MONTE LN, COVINGTON, KY 41011-3983
Document Number	0000000218
Book / Page	0C6401 / 000100
Instrument Date	Apr 30, 2018
Instrument	218
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
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	723 MONTE LN COVINGTON KY 410113983, COVINGTON, KY 41011-3983

Mortgage

Document Number	220
Date	May 1, 2018
Book Page	0C6401/000119
Instrument	220

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COVINGTON, KY 41011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 30, 2023

Mortgage

Document Number	219,
Date	May 1, 2018
Book Page	0C6401/000103
Instrument	219

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$1,967.00 (-0.56%)	$148,500 (-) Land $15,000 Building $133,500	$148,500 (-) Land $15,000 Building $133,500
2023	$1,978.00	$148,500 Land $15,000 Building $133,500	$148,500 Land $15,000 Building $133,500

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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