822 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 822 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,850 sqft · built 1875
Owner	Individual Name on Record
Last Sale	$135,000 (Sep 2017)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Oct 2025 Transfer Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.07`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.07`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,850 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	822 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 822
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	1
Legal Lot Number	822
Legal Unit	822
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	822 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Intrafamily Transfer, Transfer
Sep 6, 2017	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Prior Sale	May 8, 2015 · Amount on Record
Deed Document Number	201709 06 059 00218
Deed Book / Page	6242 / 152
Last Transfer Date	Sep 29, 2025
Transfer Doc	0005900090
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2025
Property Address	822 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0005900090
Book / Page	KC 371 / 480
Map Reference	SL 1570
Instrument Date	Sep 29, 2025
Instrument	25102905900090
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1210 MORTS PASS, CINCINNATI, OH 45215-2068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 SCOTT ST, COVINGTON, KY 41011-2446

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 6, 2017
Property Address	822 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000218
Book / Page	0C6242 / 000152
Instrument Date	Aug 25, 2017
Instrument	218
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	822 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	219
Date	Sep 6, 2017
Book Page	0C6242/000155
Instrument	219

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 5, 2032

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		$231,300 (-) Building $231,300	$231,300 (-) Building $231,300
2025	$3,064.00 (+0.76%)	$231,300 (-) Building $231,300	$231,300 (-) Building $231,300
2024	$3,041.00 (-1.27%)	$231,300 (-) Building $231,300	$231,300 (-) Building $231,300
2023	$3,080.00	$231,300 Building $231,300	$231,300 Building $231,300

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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