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

Kenton County property record for 121 W 34th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,422 sqft · built 1909
Lot Size	0.007 acres (300 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Aug 2023)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-10-003.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-10-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,422 sqft Finished Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	300 sqft (0.007 acres)
Lot Dimensions	100 ft deep x 3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	121 W 34TH ST
City	COVINGTON
State	KY
Zip	41015-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOTS 260-261 36 1,3'X 100' SS 34TH 66 2,3' E CAROLINE
Legal Subdivision	SEHON
Legal Lot Number	260,26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2016
Census Tract	61400

Owner

121 W 34th St is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	710 E 21ST ST, COVINGTON, KY 41014-1522
Owner Type	Individual

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
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
May 31, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage KIAVI FUNDING INC
May 31, 2023	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on File
Deed Sale	Aug 8, 2023 · Amount on File
Prior Sale	May 31, 2023 · Amount on File
Deed Document Number	202310
Deed Book / Page	240 / 181
Prior Transfer Date	May 30, 2023
Prior Transfer Doc	0005900071
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 8, 2023
Property Address	121 W 34TH ST, COVINGTON, KY 41015-1116
Document Number	0005900010
Book / Page	KC 240 / 181
Instrument Date	Aug 4, 2023
Instrument	23080805900010
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Amount	Amount on Record
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	10302 CHERRY LN, FLORENCE, KY 41042-3169

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	710 E 21ST ST, COVINGTON, KY 41014-1522

Mortgage

Document Number	0005900011
Date	Aug 8, 2023
Book Page	KCM 482/702
Instrument	23080805900011

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	May 31, 2023
Property Address	121 W 34TH ST, COVINGTON, KY 41015-1116
Document Number	0005900071
Book / Page	KC 228 / 909
Map Reference	PL 301
Instrument Date	May 30, 2023
Instrument	23053105900071
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 GARVEY AVE, ELSMERE, KY 41018-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 GARVEY AVE, ELSMERE, KY 41018-2418
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900073
Date	May 31, 2023
Book Page	KCM 465/43
Instrument	23053105900073

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 31, 2023
Property Address	121 W 34TH ST, COVINGTON, KY 41015-1116
Document Number	0005900072
Book / Page	KC 228 / 914
Map Reference	PL 301
Instrument Date	May 18, 2023
Instrument	23053105900072
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 GARVEY AVE, ELSMERE, KY 41018-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10302 CHERRY LN, FLORENCE, KY 41042-3169
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 121 W 34th St was $2,716.

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		$205,000 (-) Land $10,000 Building $195,000	$205,000 (-) Land $10,000 Building $195,000
2025	$2,716.00	$205,000 Land $5,000 Building $200,000	$205,000 Land $5,000 Building $200,000
2023	$1,902.00 (+0.85%)	$142,800 (-) Land $5,000 Building $137,800	$142,800 (-) Land $5,000 Building $137,800
2022	$1,886.00	$142,800 Land $5,000 Building $137,800	$142,800 Land $5,000 Building $137,800

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

Flood

FEMA maps place 121 W 34th 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 121 W 34th 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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