908 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 908 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1968
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (May 2018)
Tax Bill	$1,768 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-035.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-035.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	968 sqft Finished Area
Gross Area	1,186 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 152 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	908 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 98
Legal Subdivision	MONTE CASINO
Legal Phase	10
Legal Lot Number	98
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	65100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	908 MONTE LN, COVINGTON, KY 41011-3929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	Nov 19, 2004 · Amount on Record
Deed Document Number	201805 16 059 00170
Deed Book / Page	6412 / 31
Record Updated	Oct 29, 2026

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 16, 2018
Property Address	908 MONTE LN, COVINGTON, KY 41011-3929
Document Number	0000000170
Book / Page	0C6412 / 000031
Instrument Date	May 11, 2018
Instrument	170
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	MATTINGLY-FORD TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.00
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	908 MONTE LN COVINGTON KY 410113929, COVINGTON, KY 41011-3929

Mortgage

Document Number	172
Date	May 16, 2018
Book Page	0C6412/000034
Instrument	172

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.12%

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		$138,300 (+3.6%) Land $25,000 Building $113,300	$138,300 (+3.6%) Land $25,000 Building $113,300
2025	$1,768.00 (-0.56%)	$133,500 (-) Land $15,000 Building $118,500	$133,500 (-) Land $15,000 Building $118,500
2023	$1,778.00	$133,500 Land $15,000 Building $118,500	$133,500 Land $15,000 Building $118,500

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

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 384 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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