Kenton County property record for 909 Monte Ln, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,050 sqft · built 1966 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Jun 2022) |
| Tax Bill | $2,252 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-20-10-038.02 |
| Primary APN | 055-20-10-038.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,050 sqft Finished Area |
| Gross Area | 1,258 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 909 MONTE LN |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTE CASINO 10TH ADDN LOT 91 |
| Legal Subdivision | MONTE CASINO |
| Legal Phase | 10 |
| Legal Lot Number | 91 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 65100 |
909 Monte Ln is owned and occupied by two individuals who bought it in June 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 909 MONTE LN, COVINGTON, KY 41011-3928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Jun 21, 2022 | Fiduciary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on File |
| Deed Sale | Jun 21, 2022 · Amount on File |
| Deed Document Number | 202266 |
| Deed Book / Page | 172 / 322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 909 MONTE LN, COVINGTON, KY 41011-3928 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI |
| Name | Verified Name |
|---|
| Document Number | 0005900090 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | KCM 480/368 |
| Instrument | 23073105900090 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 21, 2022 |
| Property Address | 909 MONTE LN, COVINGTON, KY 41011-3928 |
| Document Number | 0005900066 |
| Book / Page | 172 / 322 |
| Map Reference | PL 847 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 22062105900066 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9942 GRASSCREEK CT, 9942, CINCINNATI, OH 45231-2010 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 909 MONTE LN, COVINGTON, KY 41011-3928 |
The 2025 property tax bill for 909 Monte Ln was $2,252.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,000 (-) Land $25,000 Building $145,000 | $170,000 (-) Land $25,000 Building $145,000 | |
| 2025 | $2,252.00 | $170,000 Land $15,000 Building $155,000 | $170,000 Land $15,000 Building $155,000 |
| 2023 | $2,264.00 | $170,000 Land $15,000 Building $155,000 | $170,000 Land $15,000 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 909 Monte Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1993 · rainfall accumulation |
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 risk around 909 Monte Ln is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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