820 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 820 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,037 sqft · built 1875
Owner	Individual Name on Record
Last Sale	$118,000 (Dec 2018)
Tax Bill	$1,717 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.06`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.06`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,037 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	820 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 820
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	1
Legal Lot Number	820
Legal Unit	820
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

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

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
Mailing Address	820 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Dec 12, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2018 · Amount on Record
Deed Sale	Dec 12, 2018 · Amount on Record
Prior Sale	Feb 1, 2005 · Amount on Record
Deed Document Number	201812 12 059 00107
Deed Book / Page	6562 / 243
Prior Transfer Date	Jan 31, 2005
Prior Transfer Doc	0005900300
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	820 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000043
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	0000000043
Date	Jun 5, 2020
Book Page	000M53/000448
Instrument	43

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2035

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 12, 2018
Property Address	820 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000107
Book / Page	0C6562 / 000243
Instrument Date	Dec 7, 2018
Instrument	107
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5834 E KEMPER RD CINCINNATI OH 45241, CINCINNATI, OH 45241

Mortgage

Document Number	108
Date	Dec 12, 2018
Book Page	0C6562/000246
Instrument	108

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

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		$129,600 (-) Building $129,600	$129,600 (-) Building $129,600
2025	$1,717.00 (-0.52%)	$129,600 (-) Building $129,600	$129,600 (-) Building $129,600
2023	$1,726.00	$129,600 Building $129,600	$129,600 Building $129,600

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 · 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

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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