834 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 834 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,201 sqft · built 1875
Lot Size	0.025 acres (1,095 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jun 2019)
Tax Bill	$2,265 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.33`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,201 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
Lot Area	1,095 sqft (0.025 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	834 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-2446
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	EMERY ROWHOUSE PHASE 2 UNIT 834 1095 SF 1ST FLOOR AND 499 SF 2ND FLOOR
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	2
Legal Lot Number	834
Legal Unit	834
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

834 Scott St, a condominium, is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	834 SCOTT ST, COVINGTON, KY 41011-2446
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
Oct 1, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONS RELIABLE LNDG
Jun 5, 2019	Warranty Deed, Transfer · Conventional with PMI NATIONS RELIABLE LNDG
Apr 19, 2018	Warranty Deed, Transfer · Conventional with PMI EAGLE SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	Apr 19, 2018 · Amount on File
Deed Document Number	201906 05 059 00128
Deed Book / Page	6674 / 251
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	834 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000123
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	0000000123
Date	Oct 20, 2020
Book Page	00M113/000922
Instrument	123

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 5, 2019
Property Address	834 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000128
Book / Page	0C6674 / 000251
Instrument Date	May 31, 2019
Instrument	128
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	130
Date	Jun 5, 2019
Book Page	0C6674/000254
Instrument	130

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 19, 2018
Property Address	834 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000109
Book / Page	0C6393 / 000067
Instrument Date	Apr 9, 2018
Instrument	109
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	113
Date	Apr 19, 2018
Book Page	0C6393/000072
Instrument	113

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 834 Scott St was $2,265.

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		$178,600 (+4.44%) Building $178,600	$178,600 (+4.44%) Building $178,600
2025	$2,265.00	$171,000 Building $171,000	$171,000 Building $171,000
2023	$2,277.00	$171,000 Building $171,000	$171,000 Building $171,000

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

Flood

FEMA maps place 834 Scott St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

The area around 834 Scott St has no burnable land within ember reach, so its wildfire risk is not rated.

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