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840 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 840 Scott St, Covington, KY 41011

Property Summary

Property TypeCondominium
Details3 bd · 2 ba · 1,201 sqft · built 1875
Owner2 Individual Names on File
Last Sale$135,000 (Nov 2006)
Tax Bill$1,861 (2025)
Deeds & MortgagesAug 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN854-23-16-010.36

Property Details

APN / Parcel Number

Primary APN854-23-16-010.36

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,201 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1875
Effective Year BuiltEffective 1875
Architectural StyleCondo/Apartment
Exterior MaterialBrick
Foundation TypeStone

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address840 SCOTT ST
CityCOVINGTON
StateKY
Zip41011-2446
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionEMERY ROWHOUSE PHASE 2 UNIT 840 482 SF 2ND FLOOR AND 728 SF 3RD FLOOR
Legal SubdivisionEMERY ROWHOUSE CONDOMINIUM
Legal Phase2
Legal Lot Number840
Legal Unit840
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2029
Census Tract67000

Owner

840 Scott St, a condominium, is owned and occupied by two individuals who acquired it in November 2024.

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

Owner of Record2 Individual Names on File
Mailing Address840 SCOTT ST, COVINGTON, KY 41011-2446
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 9, 2006 · Amount on File
Deed SaleNov 9, 2006 · Amount on File
Deed Document Number200611 09 059 00023
Deed Book / Page3204 / 100
Last Transfer DateNov 26, 2024
Transfer Doc0005900117
Record UpdatedOct 29, 2026

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address840 SCOTT ST, COVINGTON, KY 41011-2446
Document Number0000000253
Instrument DateAug 17, 2018
Transaction TypeMortgage
Record UpdatedSep 14, 2018
Title CompanyNAVY FEDERAL TITLE SERVICES

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address840 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number0000000253
DateAug 29, 2018
Book Page0C6489/000228
Instrument253
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueAug 28, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 840 Scott St was $1,861.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$145,200 (+3.35%) Building $145,200$145,200 (+3.35%) Building $145,200
2025$1,861.00$140,500 Building $140,500$140,500 Building $140,500
2023$1,871.00$140,500 Building $140,500$140,500 Building $140,500

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

Flood

FEMA maps place 840 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims3 (1978–2025)
Most Recent ClaimApr 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 840 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 RiskNot 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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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