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

Kenton County property record for 20 W 32nd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1906
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on Record
Last Sale	$196,425 (Mar 2023)
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-026.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-026.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,504 sqft Finished Area
Gross Area	1,656 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	80 ft deep x 30 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 W 32ND ST
City	COVINGTON
State	KY
Zip	41015-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 65 & 264 30'X 80' NS 32ND ST
Legal Subdivision	ROGERS M
Legal Lot Number	65&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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20 W 32ND ST, COVINGTON, KY 41015-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK
Jun 9, 2021	Deed of Trust, Mortgage CINCINNATI HEALTHCARE ASSOCIATES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2023 · Amount on Record
Deed Sale	Mar 2, 2023 · Amount on Record
Prior Sale	Sep 21, 2016 · Amount on Record
Deed Document Number	2023108
Deed Book / Page	215 / 889
Prior Transfer Date	Feb 9, 2012
Prior Transfer Doc	0005900184
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 2, 2023
Property Address	20 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0005900108
Book / Page	KC 215 / 889
Instrument Date	Feb 28, 2023
Instrument	23030205900108
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4821 SAINT LEO PL, LOUISVILLE, KY 40214-2179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W 32ND ST, COVINGTON, KY 41015-1219
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900109
Date	Mar 2, 2023
Instrument	23030205900109

Lender

Name	HEARTLAND BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	20 W 32ND ST, COVINGTON, KY 41015-1219
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 W 32ND ST, COVINGTON, KY 41015-1219

Mortgage

Document Number	0005900123
Date	Jun 9, 2021
Book Page	228/737
Instrument	21060905900123

Lender

Name	CINCINNATI HEALTHCARE ASSOCIATES FCU
Type	Credit Union
Address	CINCINNATI, OH 45219

Agreement

Amount	Amount Recorded

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		$196,400 (-) Land $10,000 Building $186,400	$196,400 (-) Land $10,000 Building $186,400
2025	$2,602.00 (+56.28%)	$196,400 (+57.12%) Land $5,000 Building $191,400	$196,400 (+57.12%) Land $5,000 Building $191,400
2023	$1,665.00 (+0.85%)	$125,000 (-) Land $5,000 Building $120,000	$125,000 (-) Land $5,000 Building $120,000
2022	$1,651.00	$125,000 Land $5,000 Building $120,000	$125,000 Land $5,000 Building $120,000

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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