911 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 911 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,053 sqft · built 1966
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,900 (Dec 2023)
Tax Bill	$2,395 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-038.01`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-038.01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,053 sqft Finished Area
Gross Area	1,723 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	911 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 92 & PT 93
Legal Subdivision	MONTE CASINO
Legal Phase	10
Legal Lot Number	92,93
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2013
Census Tract	65100

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	911 MONTE LN, COVINGTON, KY 41011-3928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP
Sep 2, 2020	Deed with Mortgage, Transfer OTHER INSTITUTIONAL LENDERS
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Oct 4, 2018	Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	2023212
Deed Book / Page	262 / 409
Prior Transfer Date	Aug 20, 2020
Prior Transfer Doc	0005900132
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 20, 2023
Property Address	911 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0005900212
Book / Page	KC 262 / 409
Map Reference	PL 847
Instrument Date	Dec 20, 2023
Instrument	23122005900212
Transaction Type	Transfer
Record Updated	Jan 12, 2024

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	3028 LINDSEY DR, EDGEWOOD, KY 41017-3222

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	911 MONTE LN, COVINGTON, KY 41011-3928

Mortgage

Document Number	0005900213
Date	Dec 20, 2023
Instrument	23122005900213

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2020: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	KENTON KY
Recording Date	Sep 2, 2020
Property Address	911 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0000000133
Book / Page	000041 / 000223
Instrument Date	Aug 20, 2020
Instrument	133
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	911 MONTE LN COVINGTON KY 410113928, COVINGTON, KY 41011-3928

Mortgage

Document Number	0000000133
Date	Sep 2, 2020
Book Page	000M92/000337
Instrument	133

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	911 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0000000133
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 MONTE LN COVINGTON KY 410113928, COVINGTON, KY 41011-3928

Mortgage

Document Number	0000000133
Date	Sep 2, 2020
Book Page	000M92/000337
Instrument	133

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2018
Property Address	911 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0000000058
Book / Page	0C6516 / 000260
Instrument Date	Sep 29, 2018
Instrument	58
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
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	911 MONTE LN COVINGTON KY 410113928, COVINGTON, KY 41011-3928

Mortgage

Document Number	59
Date	Oct 4, 2018
Book Page	0C6516/000263
Instrument	59

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$229,900 (-) Land $25,000 Building $204,900	$229,900 (-) Land $25,000 Building $204,900
2025	$2,395.00 (+12.97%) Homeowner's exemption	$229,900 (+44.41%) Land $15,000 Building $214,900	$229,900 (+44.41%) Land $15,000 Building $214,900
2023	$2,120.00	$159,200 Land $15,000 Building $144,200	$159,200 Land $15,000 Building $144,200

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	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

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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