1096 W 33rd St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 1096 W 33rd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,669 sqft · built 1922
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Apr 2023)
Tax Bill	$2,093 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Apr 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`056-12-01-011.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-01-011.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,669 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	175 ft deep x 27 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1096 W 33RD ST
City	COVINGTON
State	KY
Zip	41015-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIRDS BLK 23 LOT 18 & PT LOT 17 RESUB OF GREEN
Legal Subdivision	BIRDS RESUB OF GREEN
Legal Phase	23
Legal Block	23
Legal Lot Number	18,17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	61400

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	Individual Name on Record
Mailing Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage UMORTGAGE LLC
Apr 20, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 9, 2022	Deed, Transfer KENTUCKY LAND TITLE AGENCY
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 30, 2021	Intrafamily Transfer, Transfer
Apr 24, 2020	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA
May 11, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Dec 9, 2022 · Amount on Record
Deed Document Number	202382
Deed Book / Page	222 / 915
Prior Transfer Date	Aug 20, 2021
Prior Transfer Doc	0005900057
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 SALE ST 121, 121, DALLAS, TX 75219-4916

Mortgage

Document Number	0005900085
Date	Apr 20, 2023
Book Page	KCM 455/214
Instrument	23042005900085

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19103

Agreement

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

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2023
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Document Number	0005900082
Book / Page	KC 222 / 915
Instrument Date	Apr 17, 2023
Instrument	23042005900082
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	360 AMERICAN TITLE SERVICES

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	3612 GIL CT, EDGEWOOD, KY 41017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 W 33RD ST, COVINGTON, KY 41015-1318

Mortgage

Document Number	0005900083
Date	Apr 20, 2023
Book Page	KCM 455/198
Instrument	23042005900083

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 9, 2022
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Document Number	0005900141
Book / Page	204 / 472
Instrument Date	Dec 5, 2022
Instrument	22120905900141
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 BRENT SPENCE SQ APT 302, 302, PARK HILLS, KY 41011-1469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GIL CT, EDGEWOOD, KY 41017-2613

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1Q96 33RD ST W, COVINGTON, KY 41015

Mortgage

Document Number	0005900031
Date	Nov 16, 2021
Book Page	301/399
Instrument	21111605900031

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Aug 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 30, 2021
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Document Number	0005900057
Book / Page	114 / 362
Instrument Date	Aug 20, 2021
Instrument	21083005900057
Transaction Type	Transfer
Record Updated	Sep 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1096 W 33RD ST, COVINGTON, KY 41015-1318

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Document Number	0000000010
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1096 W 33RD ST COVINGTON KY 410151318, COVINGTON, KY 41015-1318

Mortgage

Document Number	0000000010
Date	Jun 15, 2020
Book Page	000M56/000564
Instrument	10

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 11, 2017
Property Address	1096 W 33RD ST, COVINGTON, KY 41015-1318
Document Number	0000000225
Book / Page	0C6156 / 000294
Instrument Date	May 9, 2017
Instrument	225
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 W 33RD ST COVINGTON KY 410151318, COVINGTON, KY 41015-1318

Mortgage

Document Number	226
Date	May 11, 2017
Book Page	0C6156/000297
Instrument	226

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 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	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 (+16.41%)	$158,000 (+17.04%) Land $10,000 Building $148,000	$158,000 (+17.04%) Land $10,000 Building $148,000
2023	$1,798.00	$135,000 Land $10,000 Building $125,000	$135,000 Land $10,000 Building $125,000

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
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 97% of the US · lower than 97.3% of Kentucky
Wildfire Likelihood	Under 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 691 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
AT&T Fixed Wireless	100 / 20

1096 W 33rd St, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on W 33rd St

Nearby Streets

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