Kenton County property record for 205 E 38th St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,347 sqft · built 1906 |
| Lot Size | 0.114 acres (4,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $231,500 (Apr 2026) |
| Tax Bill | $3,007 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jul 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-32-15-003.00 |
| Primary APN | 056-32-15-003.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,347 sqft Finished Area |
| Gross Area | 1,443 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 4,960 sqft (0.114 acres) |
| Lot Dimensions | 124 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 205 E 38TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JONES G W PT LOT 153 40'X 124' SS 38TH 108' E LINCOLN |
| Legal Subdivision | JONES G W |
| Legal Lot Number | 153 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-32-15-003.00
Assessment roll updated December 2, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 03, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| May 08, 2018 | Warranty Deed, Transfer FIRST TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 13, 2026 · Amount on Record |
| Deed Sale | Apr 13, 2026 · Amount on Record |
| Prior Sale | Jul 03, 2024 · Amount on Record |
| Deed Document Number | 20267001 |
| Deed Book / Page | 412 / 80 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 13, 2026 |
| Property Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Document Number | 0000007001 |
| Book / Page | 412 / 80 |
| Instrument Date | Mar 05, 2026 |
| Instrument | 20267001 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,381.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Document Number | 0000007002, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 202604137002 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 03, 2024 |
| Property Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Document Number | 0005900161 |
| Book / Page | KC 292 / 897 |
| Instrument Date | Jul 01, 2024 |
| Instrument | 24070305900161 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 50 W RIVERCENTER BLVD APT 402, 402, COVINGTON, KY 41011-2428 |
| Document Number | 0005900162 |
|---|---|
| Date | Jul 03, 2024 |
| Instrument | 24070305900162 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 08, 2018 |
| Property Address | 205 E 38TH ST, COVINGTON, KY 41015-1535 |
| Document Number | 0000000072 |
| Book / Page | 0C6406 / 000228 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 72 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2018 |
| Title Company | FIRST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $34.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 205 E 38TH ST COVINGTON KY 410151535, COVINGTON, KY 41015-1535 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $3,007.00 (+91.41%) | $227,000 (+92.37%) Land $10,000 Building $217,000 | $227,000 (+92.37%) Land $10,000 Building $217,000 |
| 2023 | $1,571.00 | $118,000 Land $10,000 Building $108,000 | $118,000 Land $10,000 Building $108,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Ritte's East Historic District listed 2014 · 628 contributing resources · NRIS 14000459 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 756 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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