12 W 34th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 12 W 34th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,108 sqft · built 1926
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Aug 2024)
Tax Bill	$2,636 (2025)
Deeds & Mortgages	May 2023 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-16-013.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-16-013.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,108 sqft Finished Area
Gross Area	1,248 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	100 ft deep x 28 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 W 34TH ST
City	COVINGTON
State	KY
Zip	41015-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOT 202 28'X 100' NS 34TH 100' E ROGERS
Legal Subdivision	SEHON
Legal Lot Number	202
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1021
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	2 Individual Names on Record
Mailing Address	12 W 34TH ST, COVINGTON, KY 41015-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Commercial Mortgage CIVISTA BANK
Feb 7, 2023	Warranty Deed, Transfer NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI
Mar 4, 2020	Grant Deed, Transfer · FHA Mortgage AMERICAN NBRHD MTG ACCPTNC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2024 · Amount on Record
Deed Sale	Aug 21, 2024 · Amount on Record
Prior Sale	Feb 7, 2023 · Amount on Record
Deed Document Number	2024146
Deed Book / Page	301 / 207
Prior Transfer Date	Dec 1, 2010
Prior Transfer Doc	0005900241
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	12 W 34TH ST, COVINGTON, KY 41015-1223
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7391 TOLLGATE RD, ALEXANDRIA, KY 41001-8201

Mortgage

Document Number	0005900110
Date	May 1, 2023
Book Page	KCM 457/272
Instrument	23050105900110

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 1, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 7, 2023
Property Address	12 W 34TH ST, COVINGTON, KY 41015-1223
Document Number	0005900072
Book / Page	KC 212 / 369
Map Reference	PG 51
Instrument Date	Feb 6, 2023
Instrument	23020705900072
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4319 MCKEE ST, COVINGTON, KY 41015-1652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7391 TOLLGATE RD, ALEXANDRIA, KY 41001-8201

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 4, 2020
Property Address	12 W 34TH ST, COVINGTON, KY 41015-1223
Document Number	0000000173
Book / Page	000009 / 000684
Instrument Date	Feb 18, 2020
Instrument	173
Transaction Type	Transfer
Record Updated	Apr 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 W 34TH ST COVINGTON KY 410151223, COVINGTON, KY 41015-1223

Mortgage

Document Number	174
Date	Mar 4, 2020
Book Page	000M16/000293
Instrument	174

Lender

Name	AMERICAN NBRHD MTG ACCPTNC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2050

Mortgage

Document Number	175,
Date	Mar 4, 2020
Book Page	000M16/000309
Instrument	175

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 3, 2030

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		$199,000 (-) Land $10,000 Building $189,000	$199,000 (-) Land $10,000 Building $189,000
2025	$2,636.00 (+103.24%)	$199,000 (+104.31%) Land $5,000 Building $194,000	$199,000 (+104.31%) Land $5,000 Building $194,000
2023	$1,297.00	$97,400 Land $5,000 Building $92,400	$97,400 Land $5,000 Building $92,400

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 99.1% of the US · lower than 99.2% 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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