904 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 904 Scott St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,302 sqft · built 1894
Lot Size	0.068 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$258,000 (May 2022)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-12-024.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-12-024.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,302 sqft Finished Area
Gross Area	2,377 sqft

Exterior

Year Built	Built 1894
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	3,000 sqft (0.068 acres)
Lot Dimensions	120 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0542412024.00
Street Address	904 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X120' ES SCOTT 25' S 9TH
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	37,38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	67000

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
Co-owner	Verified Secondary Owner
Mailing Address	904 SCOTT ST, COVINGTON, KY 41011-3142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 17, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 27, 2022	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Oct 27, 2014 · Amount on Record
Deed Document Number	0000167806
Deed Book / Page	167 / 806
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 SCOTT ST, COVINGTON, KY 41011-3142
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 SCOTT ST, COVINGTON, KY 41011-3142

Mortgage

Document Number	0005900027
Date	Oct 20, 2025
Book Page	KCM 697/744
Instrument	25102005900027

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Jun 1, 2052

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 SCOTT ST, COVINGTON, KY 41011-3142
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 SCOTT ST, COVINGTON, KY 41011-3142

Mortgage

Document Number	0005900219
Date	Jan 17, 2024
Book Page	KCM 520/975
Instrument	24011705900219

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jun 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 27, 2022
Property Address	904 SCOTT ST, COVINGTON, KY 41011-3142
Document Number	0005900116
Book / Page	167 / 806
Instrument Date	May 24, 2022
Instrument	22052705900116
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	PO BOX 381, FLORENCE, KY 41022-0381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 SCOTT ST, COVINGTON, KY 41011-3142

Mortgage

Document Number	0005900117
Date	May 27, 2022
Instrument	22052705900117

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$3,418.00 (-0.52%)	$258,000 (-) Land $5,000 Building $253,000	$258,000 (-) Land $5,000 Building $253,000
2023	$3,436.00	$258,000 Land $5,000 Building $253,000	$258,000 Land $5,000 Building $253,000

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 Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 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

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)
Cincinnati Bell 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 USA, Verizon.

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