828 Scott St, Covington, KY 41011 Property Records

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

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,085 sqft · built 1875
Owner	Individual Name on Record
Last Sale	$159,900 (May 2021)
Tax Bill	$2,065 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage May 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.10`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,085 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	828 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 828
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	1
Legal Lot Number	828
Legal Unit	828
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	828 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Warranty Deed, Transfer · Conventional Mortgage EAGLE SAVINGS BANK
May 8, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE MORTGAGE
Jan 19, 2017	Warranty Deed, Transfer · Conventional with PMI NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	20215900003
Deed Book / Page	90 / 702
Prior Transfer Date	Aug 23, 2011
Prior Transfer Doc	0005900187
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 17, 2021
Property Address	828 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0005900003
Book / Page	90 / 702
Map Reference	SL 1570
Instrument Date	May 7, 2021
Instrument	21051705900003
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2120 EASTERN AVE, 2120, COVINGTON, KY 41014-1563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 SCOFF STREET, COVINGTON, KY 41011

Mortgage

Document Number	0005900004
Date	May 17, 2021
Book Page	216/57
Instrument	21051705900004

Lender

Name	EAGLE SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 8, 2018
Property Address	828 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000155
Book / Page	0C6407 / 000022
Instrument Date	Nov 3, 2017
Instrument	155
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$121.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828TH ST COVINGTON KY 41011, COVINGTON, KY 41011

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	828 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000157
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	0000000157
Date	May 8, 2018
Book Page	0C6407/000025
Instrument	157

Lender

Name	NATIONS RELIABLE MORTGAGE
Address	2506 W MAIN ST # 400, HOUSTON, TX 77098-3223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 19, 2017
Property Address	828 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000230
Book / Page	0C6078 / 000223
Instrument Date	Jan 11, 2017
Instrument	230
Transaction Type	Transfer
Record Updated	May 12, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	232
Date	Jan 19, 2017
Book Page	0C6078/000227
Instrument	232

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

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		$155,900 (-) Building $155,900	$155,900 (-) Building $155,900
2025	$2,065.00 (-0.53%)	$155,900 (-) Building $155,900	$155,900 (-) Building $155,900
2023	$2,076.00	$155,900 Building $155,900	$155,900 Building $155,900

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.

Nearby Properties on Scott St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures