1 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 1 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 966 sqft · built 1943
Lot Size	0.072 acres (3,122 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Dec 2023)
Tax Bill	$2,093 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-10-009.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-10-009.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	966 sqft Finished Area
Gross Area	1,008 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,122 sqft (0.072 acres)
Lot Dimensions	64.5 ft deep x 48.4 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOT 125 48.37'X 64.5' SWC 28TH & DECOURSEY
Legal Subdivision	ROGERS M
Legal Lot Number	125
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61400

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	2 Individual Names on Record
Mailing Address	1 W 28TH ST, COVINGTON, KY 41015-1179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Dec 8, 2023	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Apr 15, 2019	Warranty Deed, Transfer · FHA Mortgage SIBCY CLINE MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	202337
Deed Book / Page	260 / 373
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 W 28TH ST, COVINGTON, KY 41015-1179
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 W 28TH ST, COVINGTON, KY 41015-1179

Mortgage

Document Number	0005900039
Date	Dec 8, 2023
Book Page	KCM 512/822
Instrument	23120805900039

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2034

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 8, 2023
Property Address	1 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0005900037
Book / Page	KC 260 / 373
Map Reference	PL 547
Instrument Date	Dec 7, 2023
Instrument	23120805900037
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 NICOLE DR, INDEPENDENCE, KY 41051-7317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 W 28TH ST, COVINGTON, KY 41015-1179

Mortgage

Document Number	0005900038
Date	Dec 8, 2023
Book Page	KCM 512/805
Instrument	23120805900038

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2019
Property Address	1 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000000081
Book / Page	0C6638 / 000315
Instrument Date	Mar 29, 2019
Instrument	81
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	SIBCY CLINE TITLE AGENCY LLC, SIBCY CLINE TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 W 28TH ST COVINGTON KY 410151179, COVINGTON, KY 41015-1179

Mortgage

Document Number	84
Date	Apr 15, 2019
Book Page	0C6638/000321
Instrument	84

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

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		$158,000 (-) Land $10,000 Building $148,000	$158,000 (-) Land $10,000 Building $148,000
2025	$2,093.00 (+55.15%)	$158,000 (+55.97%) Land $5,000 Building $153,000	$158,000 (+55.97%) Land $5,000 Building $153,000
2023	$1,349.00	$101,300 Land $5,000 Building $96,300	$101,300 Land $5,000 Building $96,300

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 98% of the US · lower than 98.2% 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 663 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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