823 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 823 Scott St, Covington, KY 41011

Property Summary

Property Type	Office Building
Details	7,072 sqft · built 1966
Lot Size	0.148 acres (6,460 sqft)
Owner	Company Name on Record
Last Sale	$370,000 (Nov 2019)
Tax Bill	$4,902 (2025)
Deeds & Mortgages	Nov 2019 Sale & Line of Credit Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-10-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-10-009.00`

Interior

Building Area	7,072 sqft Finished Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	6,460 sqft (0.148 acres)
Lot Dimensions	95 ft deep x 68 ft wide

Location & Zoning

Street Address	823 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-2447
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	68X95 PT LOTS 22-23 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	22,23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1005
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	Company Name on Record
Mailing Address	823 SCOTT ST, COVINGTON, KY 41011-2447
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2019	Grant Deed, Transfer · Line of Credit FORCHT BK NA
Dec 19, 2018	Grant Deed, Transfer · Conventional Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	201911 27 059 00030
Deed Book / Page	6813 / 24
Record Updated	Oct 29, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 27, 2019
Property Address	823 SCOTT ST, COVINGTON, KY 41011-2447
Document Number	0000000030
Book / Page	0C6813 / 000024
Instrument Date	Nov 26, 2019
Instrument	30
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	416 W 6TH ST #1 COVINGTON KY 410111316, 1, COVINGTON, KY 41011-1316

Mortgage

Document Number	31
Date	Nov 27, 2019
Book Page	0C6813/000028
Instrument	31

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 26, 2039

Interest

Rate Type	Adjustable Rate

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 19, 2018
Property Address	823 SCOTT ST, COVINGTON, KY 41011-2447
Document Number	0000000010
Book / Page	0C6566 / 000059
Instrument Date	Dec 18, 2018
Instrument	10
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	612 STETTEN RD ALEXANDRIA KY 41001, ALEXANDRIA, KY 41001

Mortgage

Document Number	12
Date	Dec 19, 2018
Book Page	0C6566/000062
Instrument	12

Lender

Name	HERITAGE BK
Type	Bank
Address	COLD SPRING, KY 41076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2028

Interest

Rate Type	Adjustable Rate

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		$407,000 (+1%) Land $60,000 Building $347,000	$407,000 (+1%) Land $60,000 Building $347,000
2025	$4,902.00 (-0.53%)	$370,000 (-) Land $60,000 Building $310,000	$370,000 (-) Land $60,000 Building $310,000
2023	$4,928.00	$370,000 Land $60,000 Building $310,000	$370,000 Land $60,000 Building $310,000

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 · 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	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 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	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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