111 W 32nd St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 111 W 32nd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 784 sqft · built 1919
Lot Size	0.055 acres (2,390 sqft)
Owner	Individual Name on File
Last Sale	$158,800 (Apr 2024)
Tax Bill	$2,104 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-13-08-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-08-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Finished Area
Gross Area	882 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,390 sqft (0.055 acres)
Lot Dimensions	100 ft deep x 23.9 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	111 W 32ND ST
City	COVINGTON
State	KY
Zip	41015-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOT 106 23.92'X 100' SS W 32ND ST
Legal Subdivision	SEHON
Legal Lot Number	106
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	61400

Owner

111 W 32nd St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	111 W 32ND ST, COVINGTON, KY 41015-1106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK
Sep 25, 2018	Warranty Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2024 · Amount on File
Deed Sale	Apr 17, 2024 · Amount on File
Prior Sale	Oct 28, 2010 · Amount on File
Deed Document Number	2024110
Deed Book / Page	279 / 901
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	111 W 32ND ST, COVINGTON, KY 41015-1106
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 HIGHLAND RIDGE BLVD 1324, 1324, HIGHLAND HEIGHTS, KY 41076-1256

Mortgage

Document Number	0005900111
Date	Apr 17, 2024
Book Page	KCM541/540
Instrument	24041705900111

Lender

Name	HEARTLAND BANK
Type	Bank
Address	430 N HAMILTON RD, WHITEHALL, OH 43213

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 25, 2018
Property Address	111 W 32ND ST, COVINGTON, KY 41015-1106
Document Number	0000000081
Book / Page	ORC650 / 000249
Instrument Date	Sep 18, 2018
Instrument	81
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 W 32ND ST COVINGTON KY 410151106, COVINGTON, KY 41015-1106

Mortgage

Document Number	82
Date	Sep 25, 2018
Book Page	006508/000253
Instrument	82

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 111 W 32nd St was $2,104.

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		$158,800 (-) Land $10,000 Building $148,800	$158,800 (-) Land $10,000 Building $148,800
2025	$2,104.00	$158,800 Land $5,000 Building $153,800	$158,800 Land $5,000 Building $153,800
2023	$1,334.00	$100,200 Land $5,000 Building $95,200	$100,200 Land $5,000 Building $95,200

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

Flood

FEMA maps place 111 W 32nd 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 111 W 32nd 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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