1809 Madison Ave, Covington, KY 41014 Property Records

Kenton County property record for 1809 Madison Ave, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,910 sqft · built 1899
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$129,672 (Oct 2025)
Tax Bill	$728 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2026 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`055-14-10-009.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-10-009.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,910 sqft Finished Area
Gross Area	2,025 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	125 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1809 MADISON AVE
City	COVINGTON
State	KY
Zip	41014-1205
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SHALER ANN LOT 4
Legal Subdivision	SHALER ANN
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	60900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	4135 ALEXANDRIA PIKE, 109, COLD SPRING, KY 41076-6801
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Commercial Mortgage RAC PROPERTIES INC
Jan 20, 2026	Deed of Trust, Mortgage · Commercial Mortgage RAC PROPERTIES INC
Oct 29, 2025	Warranty Deed, Transfer · Construction Mortgage CENTRAL FLORIDA INCOME FUND LLC
May 14, 2021	Deed of Trust, Mortgage TRADITIONAL BANK INC
May 14, 2021	Deed of Trust, Mortgage · Line of Credit TRADITIONAL BANK INC
May 8, 2020	Deed of Trust, Mortgage TRADITIONAL BK
Mar 15, 2019	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 8, 2018	Trustee's Deed, Transfer ANN MILBURN
Jul 19, 2017	Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Mar 15, 2019 · Amount on Record
Deed Document Number	2025116
Deed Book / Page	371 / 540
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0005900028
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 ALEXANDRIA PIKE 109, 109, COLD SPRING, KY 41076-6801
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001183
Date	Jan 20, 2026
Book Page	KCM 727/58
Instrument	26059000001183

Lender

Name	RAC PROPERTIES INC
Type	Non-Lending Institution
Address	NEWPORT, KY 41076

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 ALEXANDRIA PIKE 109, 109, COLD SPRING, KY 41076-6801
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001181
Date	Jan 20, 2026
Book Page	KCM 727/1
Instrument	26059000001181

Lender

Name	RAC PROPERTIES INC
Type	Non-Lending Institution
Address	NEWPORT, KY 41076

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2025
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0005900116
Book / Page	KC 371 / 540
Instrument Date	Oct 23, 2025
Instrument	25102905900116
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4329 CRESCENT SPRINGS CT, LEXINGTON, KY 40515-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 ALEXANDRIA PIKE STE 109, 109, COLD SPRING, KY 41076-6801
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900056
Date	Nov 18, 2025
Book Page	KCM 707/401
Instrument	25111805900056

Lender

Name	CENTRAL FLORIDA INCOME FUND LLC
Address	LAKELAND, FL 33801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900082
Date	May 14, 2021
Book Page	215/790
Instrument	21051405900082

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Apr 28, 2031

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900084
Date	May 14, 2021
Book Page	215/854
Instrument	21051405900084

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Apr 28, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0000000220
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4329 CRESCENT SPRINGS CT LEXINGTON KY 405154787, LEXINGTON, KY 40515-4787

Mortgage

Document Number	0000000220
Date	Jun 19, 2020
Book Page	000060/000585
Instrument	220

Lender

Name	TRADITIONAL BK
Type	Bank
Address	LEXINGTON, KY 40502

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2030

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 15, 2019
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0000000208
Book / Page	0C6619 / 000169
Instrument Date	Mar 14, 2019
Instrument	208
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4329 CRESCENT SPRINGS LN LIVINGSTON KY 40515, LIVINGSTON, KY 40515
Investor	Possibly a Property Investor

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2018
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0000000144
Book / Page	0C6553 / 000107
Instrument Date	Nov 27, 2018
Instrument	144
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$162.76
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1809 MADISON AVE COVINGTON KY 410141205, COVINGTON, KY 41014-1205
Investor	Possibly a Property Investor

November 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2018
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0000000320
Book / Page	0C6542 / 000112
Instrument Date	Nov 8, 2018
Instrument	320
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,800.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3113 CAROL LEE DR ERLANGER KY 410182247, ERLANGER, KY 41018-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	55
Date	Nov 8, 2018
Book Page	0C6554/000001
Instrument	55

Lender

Name	ANN MILBURN
Address	425 WALNUT ST # 7TH, CINCINNATI, OH 45202-3944

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 7, 2038

Interest

Rate	3.22%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 19, 2017
Property Address	1809 MADISON AVE, COVINGTON, KY 41014-1205
Document Number	0000000028
Book / Page	00000C / 006205
Instrument Date	Feb 28, 2017
Instrument	28
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1772 NEWPORT KY 41072, NEWPORT, KY 41072

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		$129,900 (+136.18%) Land $10,000 Building $119,900	$129,900 (+136.18%) Land $10,000 Building $119,900
2025	$728.00 (+0.69%)	$55,000 (-) Land $5,000 Building $50,000	$55,000 (-) Land $5,000 Building $50,000
2024	$723.00 (-1.23%)	$55,000 (-) Land $5,000 Building $50,000	$55,000 (-) Land $5,000 Building $50,000
2023	$732.00	$55,000 Land $5,000 Building $50,000	$55,000 Land $5,000 Building $50,000

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	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 956 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	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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