919 Monte Ln, Covington, KY 41011 Property Records

Kenton County property record for 919 Monte Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1966
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,000 (Apr 2017)
Tax Bill	$2,163 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-20-10-041.00`

Property Details

APN / Parcel Number

Primary APN	`055-20-10-041.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Finished Area
Gross Area	1,541 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
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	919 MONTE LN
City	COVINGTON
State	KY
Zip	41011-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 11TH ADDN LOT 105
Legal Subdivision	MONTE CASINO
Legal Phase	11
Legal Lot Number	105
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	919 MONTE LN, COVINGTON, KY 41011-3928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Line of Credit GUARDIAN SVGS BK
Apr 21, 2017	Warranty Deed, Transfer · Conventional with PMI SIBCY CLINE MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on Record
Deed Sale	Apr 21, 2017 · Amount on Record
Prior Sale	Mar 12, 2015 · Amount on Record
Deed Document Number	201704 21 059 00175
Deed Book / Page	6141 / 334
Prior Transfer Date	Apr 4, 2014
Prior Transfer Doc	0000000187
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	919 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0000000270
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	919 MONTE LN COVINGTON KY 410113928, COVINGTON, KY 41011-3928

Mortgage

Document Number	0000000270
Date	Oct 14, 2019
Book Page	0C6777/000307
Instrument	270

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 13, 2034

Interest

Rate Type	Adjustable Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 21, 2017
Property Address	919 MONTE LN, COVINGTON, KY 41011-3928
Document Number	0000000175
Book / Page	0C6141 / 000334
Instrument Date	Mar 31, 2017
Instrument	175
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	LAWYERS TITLE, LAWYERS TITLE CINCINNATI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.00
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	919 MONTE LN COVINGTON KY 410113928, COVINGTON, KY 41011-3928

Mortgage

Document Number	176
Date	Apr 21, 2017
Book Page	0C6141/000338
Instrument	176

Lender

Name	SIBCY CLINE MTG SVCS
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2047

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		$167,500 (+2.57%) Land $25,000 Building $142,500	$167,500 (+2.57%) Land $25,000 Building $142,500
2025	$2,163.00 (-0.55%)	$163,300 (-) Land $15,000 Building $148,300	$163,300 (-) Land $15,000 Building $148,300
2023	$2,175.00	$163,300 Land $15,000 Building $148,300	$163,300 Land $15,000 Building $148,300

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 · 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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