10187 Desmond Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 10187 Desmond Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2022
Owner	2 Individual Names on Record
Last Sale	$434,900 (Feb 2023)
Tax Bill	$5,057 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`072-00-04-071.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-04-071.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Foundation Type	Concrete
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10187 DESMOND CT
City	COVINGTON
State	KY
Zip	41015-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHFORD VILLAGE SEC 15 LOT 71
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	15
Legal Lot Number	71
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	65800

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	10187 DESMOND CT, COVINGTON, KY 41015-2439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC
Dec 14, 2021	Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2023 · Amount on Record
Deed Sale	Feb 7, 2023 · Amount on Record
Prior Sale	Jan 20, 2022 · Amount on Record
Deed Document Number	2023170
Deed Book / Page	212 / 488
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 7, 2023
Property Address	10187 DESMOND CT, COVINGTON, KY 41015-2439
Document Number	0005900170
Book / Page	KC 212 / 488
Map Reference	CAB 1 PG 2251&2251A
Instrument Date	Jan 26, 2023
Instrument	23020705900170
Transaction Type	Transfer
Record Updated	Jan 5, 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	211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10187 DESMOND CT, COVINGTON, KY 41015-2439

Mortgage

Document Number	0005900171
Date	Feb 7, 2023
Instrument	23020705900171

Lender

Name	FIRST EQUITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 14, 2021
Property Address	10187 DESMOND CT, COVINGTON, KY 41015-2439
Document Number	0005900162
Book / Page	136 / 935
Instrument Date	Nov 24, 2021
Instrument	21121405900162
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$459.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2807 AMSTERDAM RD, VILLA HILLS, KY 41017-4405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$434,900 (-) Land $45,000 Building $389,900	$434,900 (-) Land $45,000 Building $389,900
2025	$5,057.00 (-2.26%)	$434,900 (+6.07%) Land $45,000 Building $389,900	$434,900 (+6.07%) Land $45,000 Building $389,900
2023	$5,174.00	$410,000 Land $51,000 Building $359,000	$410,000 Land $51,000 Building $359,000

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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