904 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 904 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1966
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Tax Bill	$1,287 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-032.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-032.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Finished Area

Exterior

Year Built	Built 1966
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0552010032.00
Street Address	904 MONTE LN
City	COVINGTON
State	KY
Zip	41011-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 10TH ADDN LOT 100
Legal Subdivision	MONTE CASINO
Legal Phase	10
Legal Lot Number	100
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	65100

Owner

Source: Kenton County assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	904 MONTE LN, COVINGTON, KY 41011-3929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit US BK
May 19, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 1978
Deed Sale	Apr 1, 1978
Deed Document Number	0000716280
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 MONTE LN, COVINGTON, KY 41011-3929
Document Number	0000000160
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 MONTE LN COVINGTON KY 410113929, COVINGTON, KY 41011-3929

Mortgage

Document Number	0000000160
Date	Dec 21, 2020
Book Page	00M143/000838
Instrument	160

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Dec 20, 2033

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 MONTE LN, COVINGTON, KY 41011-3929
Document Number	0000000067
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 MONTE LN COVINGTON KY 410113929, COVINGTON, KY 41011-3929

Mortgage

Document Number	0000000067
Date	Mar 7, 2019
Book Page	0C6613/000303
Instrument	67

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 MONTE LN, COVINGTON, KY 41011-3929
Document Number	0000000355
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 MONTE LN COVINGTON KY 410113929, COVINGTON, KY 41011-3929

Mortgage

Document Number	0000000355
Date	Jun 15, 2017
Book Page	0C6182/000078
Instrument	355

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$1,287.00 (-3.23%) Homeowner's exemption	$146,300 (-) Land $15,000 Building $131,300	$146,300 (-) Land $15,000 Building $131,300
2023	$1,330.00 Homeowner's exemption	$146,300 Land $15,000 Building $131,300	$146,300 Land $15,000 Building $131,300

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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile USA.

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