1939 Oakland Ave, Covington, KY 41014 Property Records

Kenton County property record for 1939 Oakland Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,333 sqft · built 1924
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Sep 2026)
Tax Bill	$1,759 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-32-21-012.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-21-012.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,333 sqft Finished Area
Gross Area	1,525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 35 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1939 OAKLAND AVE
City	COVINGTON
State	KY
Zip	41014-1473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PATCH & CO SEC 9 PT LOTS 85-86 35'X 50' WS OAKLAND 75' N 20TH 15'X 50' IN REAR 110' N 20TH
Legal Subdivision	PATCH & CO
Legal Phase	9
Legal Lot Number	85,86
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	61000

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

1939 Oakland Ave is owned and occupied by an individual who bought it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1939 OAKLAND AVE, COVINGTON, KY 41014-1473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Oct 19, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Oct 19, 2020 · Amount on File
Deed Document Number	202620064
Deed Book / Page	491 / 389
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 1, 2026
Property Address	1939 OAKLAND AVE, COVINGTON, KY 41014-1473
Document Number	0000020064
Book / Page	491 / 389
Instrument Date	Aug 28, 2026
Instrument	202620064
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,705.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1939 OAKLAND AVE, COVINGTON, KY 41014-1473

Mortgage

Document Number	0000020065,
Date	Sep 1, 2026
Instrument	2026090120065

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 19, 2020
Property Address	1939 OAKLAND AVE, COVINGTON, KY 41014-1473
Document Number	0000000123
Book / Page	000050 / 000215
Instrument Date	Oct 12, 2020
Instrument	123
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1939 OAKLAND AVE COVINGTON KY 410141473, COVINGTON, KY 41014-1473

Mortgage

Document Number	124
Date	Oct 19, 2020
Book Page	00M113/000287
Instrument	124

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1939 Oakland Ave was $1,759.

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		$143,300 (+7.91%) Land $10,000 Building $133,300	$143,300 (+7.91%) Land $10,000 Building $133,300
2025	$1,759.00	$132,800 Land $5,000 Building $127,800	$132,800 Land $5,000 Building $127,800
2023	$1,768.00	$132,800 Land $5,000 Building $127,800	$132,800 Land $5,000 Building $127,800

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

Flood

FEMA maps place 1939 Oakland Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1939 Oakland Ave 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 1,077 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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