812 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 812 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,108 sqft · built 1875
Owner	Individual Name on File
Last Sale	$125,000 (Oct 2019)
Tax Bill	$1,835 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.02`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,108 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Stone

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	812 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-2446
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	EMERY ROWHOUSE PHASE 1 UNIT 812
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	1
Legal Lot Number	812
Legal Unit	812
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

812 Scott St, a condominium, is owned and occupied by an individual who bought it in October 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	812 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2019	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK
Jun 15, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2019 · Amount on File
Deed Sale	Oct 29, 2019 · Amount on File
Prior Sale	Aug 1, 2008 · Amount on File
Deed Document Number	201910 29 059 00170
Deed Book / Page	6789 / 286
Prior Transfer Date	Jan 31, 2005
Prior Transfer Doc	0005900300
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2019
Property Address	812 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000170
Book / Page	006789 / 000286
Instrument Date	Oct 16, 2019
Instrument	170
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	171
Date	Oct 29, 2019
Book Page	0C6789/000290
Instrument	171

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 15, 2018
Property Address	812 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000200
Book / Page	0C6432 / 000248
Instrument Date	Jun 7, 2018
Instrument	200
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2960 59TH ST S #401 GULFPORT FL 337075317, 401, GULFPORT, FL 33707-5317

Tax Assessment & Valuation

The 2025 property tax bill for 812 Scott St was $1,835.

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		$138,500 (-) Building $138,500	$138,500 (-) Building $138,500
2025	$1,835.00	$138,500 Building $138,500	$138,500 Building $138,500
2023	$1,844.00	$138,500 Building $138,500	$138,500 Building $138,500

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

Flood

FEMA maps place 812 Scott St in Zone X, an area of minimal flood risk, though there have been 3 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 Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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.

Wildfire

The area around 812 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.

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 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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