Kenton County property record for 804 Scott St, Covington, KY 41011
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3 ba · 5,268 sqft · built 1897 |
| Lot Size | 0.064 acres (2,808 sqft) |
| Owner | Individual Name on File |
| Last Sale | $54,000 (Feb 2000) |
| Tax Bill | $1,735 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-23-15-013.00 |
| Primary APN | 054-23-15-013.00 |
|---|
| Total Rooms | 10 Rooms |
|---|---|
| Units | 3 Units |
| Building Area | 5,268 sqft Finished Area |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Lot Area | 2,808 sqft (0.064 acres) |
| Lot Dimensions | 117 ft deep x 24 ft wide |
| Street Address | 804 SCOTT ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2484 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | FOOTES ADDN PT LOTS 172 THRU 174 24'X 117' |
| Legal Subdivision | FOOTES ADDN |
| Legal Phase | 4 |
| Legal Lot Number | 172,17 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 67000 |
804 Scott St, a commercial property, is owned by an individual who bought it in February 2000.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 W 5TH ST, COVINGTON, KY 41011-1402 |
| 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.
| Date | Document |
|---|---|
| Sep 25, 2023 | Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO |
| Oct 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2000 · Amount on File |
| Deed Sale | Feb 9, 2000 · Amount on File |
| Prior Sale | Mar 31, 1998 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 804 SCOTT ST, COVINGTON, KY 41011-2484 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 28 W 5TH ST, COVINGTON, KY 41011-1402 |
| Document Number | 0005900363 |
|---|---|
| Date | Sep 25, 2023 |
| Book Page | KCM 494/683 |
| Instrument | 23092505900363 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 22, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 804 SCOTT ST, COVINGTON, KY 41011-2484 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | EXACT TITLE SERVICES LLC, EXCEL TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 804 SCOTT ST, COVINGTON, KY 41011-2484 |
| Document Number | 0005900331 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | KCM 503/356 |
| Instrument | 23102705900331 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 27, 2033 |
The 2025 property tax bill for 804 Scott St was $1,735.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $163,000 (+24.43%) Land $28,000 Building $135,000 | $163,000 (+24.43%) Land $28,000 Building $135,000 | |
| 2025 | $1,735.00 | $131,000 Land $21,000 Building $110,000 | $131,000 Land $21,000 Building $110,000 |
| 2023 | $1,744.00 | $131,000 Land $21,000 Building $110,000 | $131,000 Land $21,000 Building $110,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 804 Scott St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 22 (1978–2018) |
| Claims Outside the SFHA | 1 of 22 |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 804 Scott St 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.
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 |
| 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.
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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