902 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 902 Western Ave, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 932 sqft · built 1900
Lot Size	0.082 acres (3,610 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Jan 2023)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-05-001.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-05-001.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	932 sqft Finished Area
Gross Area	967 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,610 sqft (0.082 acres)
Lot Dimensions	95 ft deep x 38 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	902 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-2030
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SCHURBROCKS LOT 6 38'X 95' IRREG
Legal Subdivision	SCHURBROCKS
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1010
Census Tract	61600

Historic Designation

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

Historic District	Within the Lewisburg Historic District listed 1993 · 430 contributing resources · NRIS 93001165

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

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	2 Individual Names on Record
Mailing Address	1024 YORK ST, 2, NEWPORT, KY 41071-2886
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAKE MORTGAGE CORP
Jan 4, 2023	Warranty Deed, Transfer · Conventional Mortgage L&N FCU
Sep 8, 2021	Warranty Deed, Transfer · Line of Credit JUDE WELLS
Sep 10, 2018	Warranty Deed, Construction Loan · Construction Mortgage CALIBER HM LOANS
Sep 10, 2018	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Sep 8, 2021 · Amount on Record
Deed Document Number	2023143
Deed Book / Page	207 / 893
Prior Transfer Date	May 18, 2018
Prior Transfer Doc	0005900175
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	902 WESTERN AVE, COVINGTON, KY 41011-2030
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3059 BROOKWOOD CIR, EDGEWOOD, KY 41017-3272

Mortgage

Document Number	0000001069
Date	Jan 16, 2026
Book Page	KCM 726/383
Instrument	26059000001069

Lender

Name	CAKE MORTGAGE CORP
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2023
Property Address	902 WESTERN AVE, COVINGTON, KY 41011-2030
Document Number	0005900143
Book / Page	207 / 893
Instrument Date	Dec 30, 2022
Instrument	23010405900143
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING AND TTL SVCS

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2375 SIR BARTON WAY APT 2209, 2209, LEXINGTON, KY 40509-2565

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1024 YORK ST APT 2, 2, NEWPORT, KY 41071-2886

Mortgage

Document Number	0005900144
Date	Jan 4, 2023
Instrument	23010405900144

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	Other
Margin	4
Max Rate	9.75%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 8, 2021
Property Address	902 WESTERN AVE, COVINGTON, KY 41011-2030
Document Number	0005900024
Book / Page	116 / 535
Instrument Date	Sep 3, 2021
Instrument	21090805900024
Transaction Type	Transfer
Record Updated	Jan 19, 2023

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 SOUTHVIEW AVE, FORT THOMAS, KY 41075-2132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SOUTHVIEW AVE, FORT THOMAS, KY 41075-2132

Mortgage

Document Number	0005900025
Date	Sep 8, 2021
Book Page	269/298
Instrument	21090805900025

Lender

Name	JUDE WELLS
Type	Private Party
Address	25 SOUTHVIEW AVE, FORT THOMAS, KY 41075

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2031

September 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 10, 2018
Property Address	902 WESTERN AVE, COVINGTON, KY 41011-2030
Document Number	0000000142
Book / Page	0C6498 / 000186
Instrument Date	Sep 6, 2018
Instrument	142
Transaction Type	Construction Loan
Record Updated	Oct 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 WESTERN AVE COVINGTON KY 410112030, COVINGTON, KY 41011-2030

Mortgage

Document Number	143
Date	Sep 10, 2018
Book Page	0C6498/000189
Instrument	143

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING DALLAS, TX 75063

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 10, 2018
Property Address	902 WESTERN AVE, COVINGTON, KY 41011-2030
Document Number	0000000141
Book / Page	0C6498 / 000183
Instrument Date	Sep 6, 2018
Instrument	141
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	508 LEVASSOR PIACE COVINGTON KY 41014, COVINGTON, KY 41014

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		$92,000 (+2.22%) Land $10,000 Building $82,000	$92,000 (+2.22%) Land $10,000 Building $82,000
2025	$1,192.00 (-0.5%)	$90,000 (-) Land $5,000 Building $85,000	$90,000 (-) Land $5,000 Building $85,000
2023	$1,198.00	$90,000 Land $5,000 Building $85,000	$90,000 Land $5,000 Building $85,000

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

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

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	Direct burnable vegetation

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 284 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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