20 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 20 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,056 sqft · built 1925
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$128,500 (Sep 2020)
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-08-016.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-08-016.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,056 sqft Finished Area
Gross Area	1,152 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 79-80
Legal Subdivision	ROGERS M
Legal Lot Number	79,80
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61400

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	Individual Name on Record
Mailing Address	20 W 28TH ST, COVINGTON, KY 41015-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK
Feb 28, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Feb 28, 2019 · Amount on Record
Deed Document Number	20205900206
Deed Book / Page	45 / 183
Prior Transfer Date	May 29, 2003
Prior Transfer Doc	0703059003
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 23, 2020
Property Address	20 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000206
Book / Page	000045 / 000183
Instrument Date	Sep 16, 2020
Instrument	206
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101

Mortgage

Document Number	207
Date	Sep 23, 2020
Book Page	00M101/000087
Instrument	207

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	20 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000207
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101

Mortgage

Document Number	0000000207
Date	Sep 23, 2020
Book Page	00M101/000087
Instrument	207

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 28, 2019
Property Address	20 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000065
Book / Page	0C6608 / 000098
Instrument Date	Feb 25, 2019
Instrument	65
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1374 LIVEOAK CT INDEPENDENCE KY 410517875, INDEPENDENCE, KY 41051-7875

Mortgage

Document Number	66
Date	Feb 28, 2019
Book Page	006608/000101
Instrument	66

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

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		$150,100 (+16.81%) Land $10,000 Building $140,100	$150,100 (+16.81%) Land $10,000 Building $140,100
2025	$1,702.00 (-0.53%)	$128,500 (-) Land $5,000 Building $123,500	$128,500 (-) Land $5,000 Building $123,500
2023	$1,711.00	$128,500 Land $5,000 Building $123,500	$128,500 Land $5,000 Building $123,500

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 97% of the US · lower than 97.3% 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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