831 Bakewell St, Covington, KY 41011 Property Records

Kenton County property record for 831 Bakewell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,665 sqft · built 1886
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Nov 2023)
Tax Bill	$1,204 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`040-44-14-018.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-14-018.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,665 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	831 BAKEWELL ST
City	COVINGTON
State	KY
Zip	41011-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERRY PT LOT 20
Legal Subdivision	PERRY
Legal Block	49
Legal Lot Number	20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	60300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

831 Bakewell St is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	831 BAKEWELL ST, COVINGTON, KY 41011-1229
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
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Apr 12, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023 · Amount on File
Deed Sale	Nov 20, 2023 · Amount on File
Prior Sale	Feb 5, 2015 · Amount on File
Deed Document Number	2023159
Deed Book / Page	257 / 930
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 20, 2023
Property Address	831 BAKEWELL ST, COVINGTON, KY 41011-1229
Document Number	0005900159
Book / Page	KC 257 / 930
Instrument Date	Nov 17, 2023
Instrument	23112005900159
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 BAKEWELL ST, COVINGTON, KY 41011-1229

Mortgage

Document Number	0005900160
Date	Nov 20, 2023
Book Page	KCM 508/444
Instrument	23112005900160

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Max Rate	12.7%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 12, 2022
Property Address	831 BAKEWELL ST, COVINGTON, KY 41011-1229
Document Number	0005900017
Book / Page	159 / 33
Instrument Date	Apr 5, 2022
Instrument	22041205900017
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1826 RACE ST, 1826, CINCINNATI, OH 45202-7720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 KRUEMPELMAN DR, FT MITCHELL, KY 41011-2680

Tax Assessment & Valuation

The 2025 property tax bill for 831 Bakewell St was $1,204 with a homeowner's exemption.

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		$140,000 (-) Land $10,000 Building $130,000	$140,000 (-) Land $10,000 Building $130,000
2025	$1,204.00 Homeowner's exemption	$140,000 Land $5,000 Building $135,000	$140,000 Land $5,000 Building $135,000
2023	$615.00 (-65.51%)	$46,200 (-65.78%) Land $5,000 Building $41,200	$46,200 (-65.78%) Land $5,000 Building $41,200
2022	$1,783.00	$135,000 Land $5,000 Building $130,000	$135,000 Land $5,000 Building $130,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 831 Bakewell 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 831 Bakewell 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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