956 Western Ave, Covington, KY 41011 Property Records

Kenton County property record for 956 Western Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 765 sqft · built 1909
Lot Size	0.03 acres (1,298 sqft)
Owner	Individual Name on Record
Last Sale	$151,000 (Feb 2026)
Tax Bill	$848 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-07-027.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-07-027.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	765 sqft Finished Area
Gross Area	840 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,298 sqft (0.03 acres)
Lot Dimensions	64.9 ft deep x 20 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	956 WESTERN AVE
City	COVINGTON
State	KY
Zip	41011-2067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEWIS PT LOTS 12-13 20'X 64.86' ES WESTERN 160' S LEWIS
Legal Subdivision	LEWIS HARVEY
Legal Lot Number	12,13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	61600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lewisburg Historic District listed 1993 · 430 contributing resources · NRIS 93001165

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of October 21, 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	956 WESTERN AVE, COVINGTON, KY 41011-2067
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 15, 2022	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Oct 11, 2021	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	Jun 14, 2024 · Amount on Record
Deed Document Number	20262911
Deed Book / Page	389 / 904
Prior Transfer Date	Jun 7, 2012
Prior Transfer Doc	0005900152
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 13, 2026
Property Address	956 WESTERN AVE, COVINGTON, KY 41011-2067
Document Number	0000002911
Book / Page	389 / 904
Instrument Date	Feb 11, 2026
Instrument	26059000002911
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$151.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 532213, CINCINNATI, OH 45253-2213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	956 WESTERN AVE, COVINGTON, KY 41011-2067
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002912
Date	Feb 13, 2026
Instrument	26059000002912

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	0000002913
Date	Feb 13, 2026
Book Page	734/21
Instrument	26059000002913

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 15, 2022
Property Address	956 WESTERN AVE, COVINGTON, KY 41011-2067
Document Number	0005900008
Book / Page	183 / 369
Instrument Date	Aug 10, 2022
Instrument	22081505900008
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9228 KENWOOD RD, 9228, BLUE ASH, OH 45242-7469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2090 LOST OAKS LN, WEST HARRISON, IN 47060-8061

October 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Oct 11, 2021
Property Address	956 WESTERN AVE, COVINGTON, KY 41011-2067
Document Number	0005900185
Book / Page	122 / 767
Instrument Date	Jun 30, 2021
Instrument	21101105900185
Transaction Type	Foreclosure
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9228 KENWOOD RD, BLUE ASH, OH 45242-7469

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		$135,000 (+110.94%) Land $10,000 Building $125,000	$135,000 (+110.94%) Land $10,000 Building $125,000
2025	$848.00 (+140.23%)	$64,000 (+141.51%) Land $5,000 Building $59,000	$64,000 (+141.51%) Land $5,000 Building $59,000
2023	$353.00	$26,500 Land $5,000 Building $21,500	$26,500 Land $5,000 Building $21,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 284 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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