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

Kenton County property record for 18 W 32nd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,209 sqft · built 1927
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$164,400 (Apr 2021)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Feb 2018 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-025.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-025.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,209 sqft Finished Area
Gross Area	1,471 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18 W 32ND ST
City	COVINGTON
State	KY
Zip	41015-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOT 263 & E 3' LOT 264
Legal Subdivision	ROGERS M
Legal Lot Number	263,264
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Feb 21, 2018	Warranty Deed, Transfer CONGRESSIONAL BK
Aug 28, 2017	Deed of Trust, Mortgage · Line of Credit WATCH HILL BK
Jun 26, 2017	Grant Deed, Transfer ATTORNEY ONLY
May 9, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Feb 21, 2018 · Amount on Record
Deed Document Number	20215900128
Deed Book / Page	82 / 332
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 5, 2021
Property Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0005900128
Book / Page	82 / 332
Instrument Date	Jan 1, 2021
Instrument	21040505900128
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6826 KILDARE DR, 6826, CINCINNATI, OH 45233-4307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 W 32ND ST, COVINGTON, KY 41015-1219

Mortgage

Document Number	0005900129
Date	Apr 5, 2021
Instrument	21041505900129

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 21, 2018
Property Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000066
Book / Page	0C6357 / 000305
Instrument Date	Feb 16, 2018
Instrument	66
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	68
Date	Feb 21, 2018
Book Page	0C6357/000308
Instrument	68

Lender

Name	CONGRESSIONAL BK
Type	Bank
Address	BETHESDA, MD 20817

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000190
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2730 SECTION RD CINCINNATI OH 452373714, CINCINNATI, OH 45237-3714

Mortgage

Document Number	0000000190
Date	Sep 28, 2017
Book Page	0C6258/000236
Instrument	190

Lender

Name	WATCH HILL BK
Address	CINCINNATI, OH 45230-1621

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Sep 27, 2019

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 26, 2017
Property Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000002
Book / Page	0C6187 / 000330
Instrument Date	Jun 21, 2017
Instrument	2
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2730 SECTION RD CINCINNATI OH 452373714, CINCINNATI, OH 45237-3714

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	May 9, 2017
Property Address	18 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000173
Book / Page	0C6154 / 000339
Instrument Date	Apr 8, 2016
Instrument	173
Transaction Type	Foreclosure
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$66.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	999 NW GRAND BLVD #100 OKLAHOMA CITY OK 731186051, 100, OKLAHOMA CITY, OK 73118-6051
Investor	Possibly a Property Investor

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		$164,400 (-) Land $10,000 Building $154,400	$164,400 (-) Land $10,000 Building $154,400
2025	$2,178.00 (-0.5%)	$164,400 (-) Land $5,000 Building $159,400	$164,400 (-) Land $5,000 Building $159,400
2023	$2,189.00	$164,400 Land $5,000 Building $159,400	$164,400 Land $5,000 Building $159,400

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 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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