2 Orchard Ln, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2 Orchard Ln, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,225 sqft · built 1975
Owner	2 Individual Names on File
Tax Bill	$6,707 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`873-30-00-001.49`

Property Details

APN / Parcel Number

Primary APN	`873-30-00-001.49`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,225 sqft Finished Area
Gross Area	4,685 sqft

Exterior

Year Built	Built 1975
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	8733000001.49
Street Address	2 ORCHARD LN
City	COVINGTON
State	KY
Zip	41015-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEASEHOLD IMPROVEMENT LOT 74 RYLAND LAKES CC
Legal Subdivision	RYLAND LAKES COUNTRY CLUB
Legal Lot Number	74
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2021
Census Tract	65900

Owner

Source: Kenton County records · APN 873-30-00-001.49

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	2 ORCHARD LN, COVINGTON, KY 41015-9543
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO
Jun 14, 2019	Deed of Trust, Mortgage HUNTINGTON NAT'L BK
Jun 14, 2019	Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2 ORCHARD LN, COVINGTON, KY 41015-9543
Transaction Type	Mortgage
Record Updated	Jun 02, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900250
Date	May 13, 2021
Book Page	215/496
Instrument	21051305900250

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2 ORCHARD LN, COVINGTON, KY 41015-9543
Document Number	0000000014
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 03, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 ORCHARD LN COVINGTON KY 410159543, COVINGTON, KY 41015-9543

Mortgage

Document Number	0000000014
Date	Jun 18, 2019
Book Page	0I4279/000217
Instrument	14

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	105 E 4TH A ST # 200A, CINCINNATI, OH 45202

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 17, 2039

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2 ORCHARD LN, COVINGTON, KY 41015-9543
Document Number	0000000013
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 03, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 ORCHARD LN COVINGTON KY 410159543, COVINGTON, KY 41015-9543

Mortgage

Document Number	0000000013
Date	Jun 18, 2019
Book Page	0I4279/000196
Instrument	13

Lender

Name	CENTRAL BK
Type	Bank
Address	FLORENCE, KY 41042

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,707.00 (+73.71%)	$563,200 (+84.66%) Building $563,200	$563,200 (+84.66%) Building $563,200
2023	$3,861.00	$305,000 Building $305,000	$305,000 Building $305,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170659002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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