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205 E 46th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 205 E 46th St, Covington, KY 41015 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,108 sqft · built 1928
Lot Size0.05 acres (2,201 sqft)
OwnerCompany Name on File
Last Sale$158,000 (Feb 2025)
Tax Bill$1,788 (2025)
Deeds & MortgagesSep 2021 Mortgage
Oct 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN056-42-01-063.00

Property Details

APN / Parcel Number

Primary APN056-42-01-063.00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,108 sqft Finished Area
Gross Area1,216 sqft

Exterior

Year BuiltBuilt 1928
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area2,201 sqft
Lot Dimensions89 ft deep x 24 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0564201063.00
Street Address205 E 46TH ST
CityCOVINGTON
StateKY
Zip41015-1956
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEMMIEN & HAARMEYER PT LOT 41 24.54'X 89.7' IRREG
Legal SubdivisionDEMMIEN & HAARMEYER
Legal Lot Number41
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3020
Census Tract61300

Owner

Source: Kenton County records · APN 056-42-01-063.00

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 RecordCompany Name on File
Mailing Address205 E 46TH ST, COVINGTON, KY 41015-1956
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Sep 03, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Oct 28, 2022Deed of Trust, Mortgage
CITY OF COVINGTON
Sep 12, 2022Warranty Deed, Transfer · FHA Mortgage
AMERICAN MORTGAGE SERVICES
Oct 23, 2019Warranty Deed, Transfer · FHA Mortgage
AMERICAN MTG SVC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 27, 2025 · Amount on Record
Deed SaleFeb 27, 2025 · Amount on Record
Prior SaleSep 12, 2022 · Amount on Record
Deed Document Number0000189326
Deed Book / Page189 / 326
Record UpdatedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address205 E 46TH ST, COVINGTON, KY 41015-1956
Transaction TypeMortgage
Record UpdatedJan 05, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address205 E 46TH ST, COVINGTON, KY 41015-1956

Mortgage

Document Number0005900160
DateSep 03, 2021
Book Page267/886
Instrument21090305900160
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term338 Months
DueNov 01, 2049

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address205 E 46TH ST, COVINGTON, KY 41015-1956
Transaction TypeMortgage
Record UpdatedJan 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900054
DateOct 28, 2022
Book PageKCM 417/455
Instrument22102805900054
Lender
NameCITY OF COVINGTON
TypeGovernment Agency
AddressCOVINGTON, KY 41011
Agreement
AmountAmount Recorded
Term118 Months
DueAug 30, 2032

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 12, 2022
Property Address205 E 46TH ST, COVINGTON, KY 41015-1956
Document Number0005900033
Book / Page189 / 326
Instrument DateSep 07, 2022
Instrument22091205900033
Transaction TypeTransfer
Record UpdatedJan 05, 2024
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address692 BARKER RD, CALIFORNIA, KY 41007-9163

Transferred To (Grantee/Buyer)

NameVerified Name
Address235 E 46TH ST, COVINGTON, KY 41015-1956

Mortgage

Document Number0005900034
DateSep 12, 2022
Instrument22091205900034
Lender
NameAMERICAN MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 23, 2019
Property Address205 E 46TH ST, COVINGTON, KY 41015-1956
Document Number0000000048
Book / Page0C6785 / 000059
Instrument DateOct 18, 2019
Instrument48
Transaction TypeTransfer
Record UpdatedNov 11, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$75.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address205 E 46TH ST COVINGTON KY 410151956, COVINGTON, KY 41015-1956

Mortgage

Document Number50
DateOct 23, 2019
Book Page0C6785/000062
Instrument50
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 22, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,788.00 (-0.56%)$135,000 (-) Land $10,000 Building $125,000$135,000 (-) Land $10,000 Building $125,000
2023$1,798.00$135,000 Land $10,000 Building $125,000$135,000 Land $10,000 Building $125,000

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 211170613003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies6 in force
Nearby Flood Claims16 (1978–2025)
Claims Outside the SFHA5 of 16
Most Recent ClaimApr 2025, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims
  • Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 3 claims
  • Severe Storm, Flooding, And Tornadoes, Mar 1997 · 4 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

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