846 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 846 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,201 sqft · built 1875
Lot Size	0.022 acres (964 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Dec 2019)
Tax Bill	$2,212 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.39`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.39`

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	964 sqft (0.022 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	846 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 846 964 SF 1ST FLOOR AND 684 SF 2ND FLOOR
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	2
Legal Lot Number	846
Legal Unit	846
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	846 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2019 · Amount on Record
Deed Sale	Dec 3, 2019 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	201912 03 059 00099
Deed Book / Page	6815 / 323
Prior Transfer Date	Jul 20, 2009
Prior Transfer Doc	0005900099
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 3, 2019
Property Address	846 SCOTT ST, COVINGTON, KY 41011-2446
Document Number	0000000099
Book / Page	0C6815 / 000323
Instrument Date	Nov 26, 2019
Instrument	99
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 SCOTT ST COVINGTON KY 410112446, COVINGTON, KY 41011-2446

Mortgage

Document Number	101
Date	Dec 3, 2019
Book Page	0C6815/000327
Instrument	101

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

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		$184,600 (+10.54%) Building $184,600	$184,600 (+10.54%) Building $184,600
2025	$2,212.00 (-0.54%)	$167,000 (-) Building $167,000	$167,000 (-) Building $167,000
2023	$2,224.00	$167,000 Building $167,000	$167,000 Building $167,000

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.

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