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

Kenton County property record for 128 W 34th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,594 sqft · built 1922
Lot Size	0.076 acres (3,330 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Sep 2020)
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-09-025.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-09-025.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,594 sqft Finished Area
Gross Area	1,801 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,330 sqft (0.076 acres)
Lot Dimensions	100 ft deep x 33.3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	128 W 34TH ST
City	COVINGTON
State	KY
Zip	41015-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON LOT 217 33.33'X 100' NEC W 34TH & CAROLINE
Legal Subdivision	SEHON
Legal Lot Number	217
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1020
Census Tract	61400

Owner

128 W 34th St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	128 W 34TH ST, COVINGTON, KY 41015-1117
Occupancy	Owner Occupied
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
Jan 16, 2026	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Sep 3, 2020	Grant Deed, Transfer · Conventional Mortgage FIFTH THIRD BK NA
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on File
Deed Sale	Sep 3, 2020 · Amount on File
Deed Document Number	20205900272
Deed Book / Page	41 / 473
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	128 W 34TH ST, COVINGTON, KY 41015-1117
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 W 34TH ST, COVINGTON, KY 41015-1117

Mortgage

Document Number	0000001106
Date	Jan 16, 2026
Book Page	KCM 726/575
Instrument	26059000001106

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 3, 2020
Property Address	128 W 34TH ST, COVINGTON, KY 41015-1117
Document Number	0000000272
Book / Page	000041 / 000473
Instrument Date	Sep 2, 2020
Instrument	272
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 W 34TH ST COVINGTON KY 410151117, COVINGTON, KY 41015-1117

Mortgage

Document Number	273
Date	Sep 3, 2020
Book Page	000M93/000580
Instrument	273

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	128 W 34TH ST, COVINGTON, KY 41015-1117
Document Number	0000000273
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 W 34TH ST COVINGTON KY 410151117, COVINGTON, KY 41015-1117

Mortgage

Document Number	0000000273
Date	Sep 3, 2020
Book Page	000M93/000580
Instrument	273

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 128 W 34th St was $1,771.

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		$153,800 (+15.03%) Land $10,000 Building $143,800	$153,800 (+15.03%) Land $10,000 Building $143,800
2025	$1,771.00	$133,700 Land $5,000 Building $128,700	$133,700 Land $5,000 Building $128,700
2023	$1,780.00	$133,700 Land $5,000 Building $128,700	$133,700 Land $5,000 Building $128,700

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

Flood

FEMA maps place 128 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 128 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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