828 Perry St, Covington, KY 41011 Property Records

Kenton County property record for 828 Perry St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,360 sqft · built 1886
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Aug 2022)
Tax Bill	$4,697 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-14-035.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-14-035.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,360 sqft Finished Area
Gross Area	2,080 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	828 PERRY ST
City	COVINGTON
State	KY
Zip	41011-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERRY LOT 33 & PT LOT 32
Legal Subdivision	PERRY
Legal Lot Number	33&32
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	60300

Owner

828 Perry St is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	828 PERRY ST, COVINGTON, KY 41011-1251
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Jan 4, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Dec 13, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on File
Deed Sale	Aug 19, 2022 · Amount on File
Prior Sale	Dec 13, 2019 · Amount on File
Deed Document Number	202288
Deed Book / Page	184 / 930
Prior Transfer Date	Sep 30, 2016
Prior Transfer Doc	0005900202
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 19, 2022
Property Address	828 PERRY ST, COVINGTON, KY 41011-1251
Document Number	0005900088
Book / Page	184 / 930
Map Reference	PL 221
Instrument Date	Aug 16, 2022
Instrument	22081905900088
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1020 PEPPERIDGE DR, 1020, BOWLING GREEN, KY 42103-6253

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	828 PERRY ST, COVINGTON, KY 41011-1251

Mortgage

Document Number	0005900089
Date	Aug 19, 2022
Instrument	22081905900089

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	828 PERRY ST, COVINGTON, KY 41011-1251
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900097
Date	Jan 4, 2022
Book Page	321/277
Instrument	22010405900097

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2019
Property Address	828 PERRY ST, COVINGTON, KY 41011-1251
Document Number	0000000310
Book / Page	0C6829 / 000161
Instrument Date	Dec 10, 2019
Instrument	310
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 PERRY ST COVINGTON KY 410111251, COVINGTON, KY 41011-1251

Mortgage

Document Number	311
Date	Dec 13, 2019
Book Page	0C6829/000164
Instrument	311

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2017
Property Address	828 PERRY ST, COVINGTON, KY 41011-1251
Document Number	0000000088
Book / Page	C6221 / 000173
Instrument Date	Jul 18, 2017
Instrument	88
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$9.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1226 HOLMAN AVE COVINGTON KY 410113047, COVINGTON, KY 41011-3047

Tax Assessment & Valuation

The 2025 property tax bill for 828 Perry St was $4,697.

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		$354,500 (-) Land $19,500 Building $335,000	$354,500 (-) Land $19,500 Building $335,000
2025	$4,697.00	$354,500 Land $19,500 Building $335,000	$354,500 Land $19,500 Building $335,000
2023	$4,528.00	$340,000 Land $5,000 Building $335,000	$340,000 Land $5,000 Building $335,000

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

Flood

FEMA maps place 828 Perry St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 828 Perry St is low, with a 0.01% annual chance of 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	Indirect 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 607 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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