11 W 31st St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 11 W 31st St, Covington, KY 41015

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,680 sqft
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Aug 2026)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-014.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-014.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Finished Area
Gross Area	1,988 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	80 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 W 31ST ST
City	COVINGTON
State	KY
Zip	41015-1216
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	50X80 S S 31ST 165.55 W DEC
Legal Subdivision	ROGERS M
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
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	Company Name on Record
Mailing Address	1727 E GALBRAITH RD, CINCINNATI, OH 45215-5613
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage GUS GOLDSMITH
Oct 29, 2021	Deed, Transfer · Stand-Alone First Mortgage GUS GOLDSMITH
Aug 4, 2021	360 AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	2026080317039
Deed Book / Page	471 / 695
Prior Transfer Date	Jun 14, 2005
Prior Transfer Doc	0005900205
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 3, 2026
Property Address	11 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000017039
Book / Page	471 / 695
Instrument Date	Jul 24, 2026
Instrument	202617039
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$26,765.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1727 E GALBRAITH RD, CINCINNATI, OH 45215-5613

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	11 W 31ST ST, COVINGTON, KY 41015-1216
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900028
Date	Dec 22, 2023
Book Page	KCM 516/215
Instrument	23122205900028

Lender

Name	GUS GOLDSMITH
Type	Private Party
Address	18205 BISCAYNE BLVD STE 2226, AVENTURA, FL 33160

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	25 Months
Due	Jan 1, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2021
Property Address	11 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0005900335
Book / Page	127 / 782
Instrument Date	Oct 4, 2021
Instrument	21102905900335
Transaction Type	Transfer
Record Updated	Nov 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12207 DUNSMUIR LN, 12207, LAKELAND, TN 38002-7560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4100 QUENTIN BLVD APT 305, 305, COLUMBUS, OH 43230-8529

Mortgage

Document Number	0005900336
Date	Oct 29, 2021
Book Page	293/684
Instrument	21102905900336

Lender

Name	GUS GOLDSMITH
Type	Non-Lending Institution
Address	NORTH MIAMI BEACH, FL 33160

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	25 Months
Due	Nov 1, 2023

August 2021:

Jurisdiction	KENTON KY
Recording Date	Aug 4, 2021
Property Address	11 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0005900205
Book / Page	108 / 769
Instrument Date	Jun 14, 2005
Instrument	21080405900205
Record Updated	Aug 18, 2021
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 ARDEN DR, VILLA HILLS, KY 41017-3728

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		$130,000 (-) Land $10,000 Building $120,000	$130,000 (-) Land $10,000 Building $120,000
2025	$1,722.00 (-0.52%)	$130,000 (-) Land $5,000 Building $125,000	$130,000 (-) Land $5,000 Building $125,000
2023	$1,731.00	$130,000 Land $5,000 Building $125,000	$130,000 Land $5,000 Building $125,000

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 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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