815 Greer St, Covington, KY 41011 Property Records

Kenton County property record for 815 Greer St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	2,354 sqft · built 1860
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-12-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-12-009.00`

Interior

Units	10 Units
Stories	2 Stories
Building Area	2,354 sqft Finished Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Street Address	815 GREER ST
City	COVINGTON
State	KY
Zip	41011-5000
Property Category	Other
Property Type	Other > Other Improved
Legal Description	GREERS 2ND LOT 24 25'X 100'
Legal Subdivision	GREERS 2ND (HOMESTEAD)
Legal Lot Number	24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1015
Census Tract	60300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	2 Individual Names on Record
Mailing Address	815 GREER ST, COVINGTON, KY 41011-5000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 13, 2018	Warranty Deed, Transfer GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 2, 2022
Transfer Doc	0005900162
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Sep 8, 2022
Property Address	815 GREER ST, COVINGTON, KY 41011-5000
Document Number	0005900162
Book / Page	188 / 943
Instrument Date	Sep 2, 2022
Instrument	22090805900162
Transaction Type	Transfer
Record Updated	Sep 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	815 GREER ST, 815, COVINGTON, KY 41011-5000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	815 GREER ST, COVINGTON, KY 41011-5000

Mortgage

Document Number	0005900163
Date	Sep 8, 2022
Book Page	405/383
Instrument	22090805900163

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 13, 2018
Property Address	815 GREER ST, COVINGTON, KY 41011-5000
Document Number	0000000072
Book / Page	0C6500 / 000133
Instrument Date	Sep 7, 2018
Instrument	72
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	AGILITY CLOSING AND TITLE SERVICES I

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 GREER ST COVINGTON KY 410115000, COVINGTON, KY 41011-5000

Mortgage

Document Number	73
Date	Sep 13, 2018
Book Page	0C6500/000136
Instrument	73

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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		$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2025	$2,318.00 (-0.56%)	$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2023	$2,331.00	$175,000 Land $15,000 Building $160,000	$175,000 Land $15,000 Building $160,000

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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