21 E 32nd St, #31, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 21 E 32nd St, #31, Covington, KY 41015

Property Summary

Property Type	Commercial
Details	37,000 sqft
Lot Size	0.969 acres (42,253 sqft)
Owner	Company Name on File
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-31-03-002.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-03-002.00`

Interior

Building Area	37,000 sqft Finished Area

Exterior

Lot Area	42,253 sqft (0.969 acres)

Location & Zoning

Old Parcel Number	0563103002.00
Street Address	21 E 32ND ST # 31, 31
City	COVINGTON
State	KY
Zip	41015-1243
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	WILLIAMSON LOTS 650A TO 653A & 46' 654A
Legal Subdivision	WILLIAMSON SUBD
Legal Phase	54
Legal Lot Number	650A-65
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	61400

Owner

Source: Kenton County assessment roll, as of April 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 15609, COVINGTON, KY 41015-0609
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2022	Deed of Trust, Mortgage · Line of Credit HERITAGE SOUTHEAST BANK
Jun 20, 2022	Deed of Trust, Mortgage HERITAGE SOUTHEAST BANK
Aug 14, 2020	Deed of Trust, Mortgage HERITAGE BK
Oct 5, 2017	Deed of Trust, Mortgage HERITAGE BK
Oct 5, 2017	Deed of Trust, Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 4, 2000
Deed Sale	Dec 4, 2000
Deed Document Number	0000442102
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 E 32ND ST # 31, 31, COVINGTON, KY 41015-1243
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900117
Date	Jun 20, 2022
Book Page	381/379
Instrument	22062005900117

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 10, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 E 32ND ST # 31, 31, COVINGTON, KY 41015-1243
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900119
Date	Jun 20, 2022
Book Page	381/398
Instrument	22062005900119

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 10, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 E 32ND ST # 31, 31, COVINGTON, KY 41015-1275
Document Number	0000000192
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 E 32ND ST COVINGTON KY 410151243, COVINGTON, KY 41015-1243

Mortgage

Document Number	0000000192
Date	Aug 24, 2020
Book Page	000M87/000432
Instrument	192

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Aug 23, 2027

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 E 32ND ST # 31, 31, COVINGTON, KY 41015-1275
Document Number	0000000122
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 E 32ND ST COVINGTON KY 410151243, COVINGTON, KY 41015-1243

Mortgage

Document Number	0000000122
Date	Oct 11, 2017
Book Page	0C6269/000058
Instrument	122

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 10, 2027

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 E 32ND ST # 31, 31, COVINGTON, KY 41015-1275
Document Number	0000000124
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21-31 E 32ND ST COVINGTON KY 410151275, COVINGTON, KY 41015-1275

Mortgage

Document Number	0000000124
Date	Oct 11, 2017
Book Page	0C6269/000073
Instrument	124

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 10, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$7,890.00 (-0.53%)	$595,500 (-) Land $145,500 Building $450,000	$595,500 (-) Land $145,500 Building $450,000
2023	$7,932.00	$595,500 Land $145,500 Building $450,000	$595,500 Land $145,500 Building $450,000

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

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)
Cincinnati Bell 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 USA.

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