12 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 12 W 28th St, Covington, KY 41015

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,692 sqft · built 1914
Lot Size	0.089 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Aug 2020)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-24-08-011.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-08-011.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,692 sqft Finished Area
Gross Area	2,220 sqft

Exterior

Year Built	Built 1914
Exterior Material	Brick
Foundation Type	Block
Roof Material	Metal
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	115 ft deep x 36 ft wide
Garage Area	252 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0552408011.00
Street Address	12 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1101
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ROGERS LOT 75 & W 3' LOT 74
Legal Subdivision	ROGERS M
Legal Lot Number	75,74
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61400

Owner

Source: Kenton County records, as of November 27, 2025

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	212 N 2ND ST # 100, 100, RICHMOND, KY 40475-1408
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Prior Sale	Aug 19, 2013
Deed Document Number	0000037824
Deed Book / Page	37 / 824
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2020
Property Address	12 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000219
Book / Page	000037 / 000824
Instrument Date	Aug 12, 2020
Instrument	219
Transaction Type	Transfer
Record Updated	Sep 23, 2020
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	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	43934 ASHBURN VA 20147, ASHBURN, VA 20147

Mortgage

Document Number	M840408
Date	Aug 18, 2020
Book Page	000M84/000408

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$1,457.00 (-0.55%)	$110,000 (-) Land $5,000 Building $105,000	$110,000 (-) Land $5,000 Building $105,000
2023	$1,465.00	$110,000 Land $5,000 Building $105,000	$110,000 Land $5,000 Building $105,000

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 97% of the US · lower than 97.3% 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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