109 W 33rd St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 109 W 33rd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,207 sqft · built 1920
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (May 1997)
Tax Bill	$1,609 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-13-09-009.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-09-009.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,207 sqft Finished Area
Gross Area	1,519 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	109 W 33RD ST
City	COVINGTON
State	KY
Zip	41015-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOT 186 30'X 100' SS W 33RD 136 2,3' W ROGERS
Legal Subdivision	SEHON
Legal Lot Number	186
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1020
Census Tract	61400

Owner

109 W 33rd St is owned and occupied by two individuals who bought it in May 1997.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 W 33RD ST, COVINGTON, KY 41015-1110
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit CINFED CU
Aug 13, 2020	Deed of Trust, Mortgage · Line of Credit CINFED CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 1997 · Amount on File
Deed Sale	May 29, 1997 · Amount on File
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	109 W 33RD ST, COVINGTON, KY 41015-1110
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900018
Date	Aug 8, 2022
Book Page	395/404
Instrument	22080805900018

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	109 W 33RD ST, COVINGTON, KY 41015-1110
Document Number	0000000068
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W 33RD ST COVINGTON KY 410151110, COVINGTON, KY 41015-1110

Mortgage

Document Number	0000000068
Date	Sep 4, 2020
Book Page	000M93/000814
Instrument	68

Lender

Name	CINFED CU
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 3, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 W 33rd St was $1,609.

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		$126,200 (+3.87%) Land $10,000 Building $116,200	$126,200 (+3.87%) Land $10,000 Building $116,200
2025	$1,609.00	$121,500 Land $5,000 Building $116,500	$121,500 Land $5,000 Building $116,500
2023	$1,618.00	$121,500 Land $5,000 Building $116,500	$121,500 Land $5,000 Building $116,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 W 33rd St in Zone X, an area of minimal flood risk.

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

The area around 109 W 33rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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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