2104 Oakland Ave, Covington, KY 41014 Property Records

Kenton County property record for 2104 Oakland Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,556 sqft · built 1911
Lot Size	0.087 acres (3,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-30-019.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-30-019.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,556 sqft Finished Area
Gross Area	1,738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	3,800 sqft (0.087 acres)
Lot Dimensions	100 ft deep x 38 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2104 OAKLAND AVE
City	COVINGTON
State	KY
Zip	41014-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALLACE PT LOTS 170-171-172 37.95'X 100' ES OAKLAND 37' S 21ST
Legal Subdivision	WALLACE ROBERT
Legal Phase	2
Legal Lot Number	170,17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1025
Census Tract	61000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2104 Oakland Ave is owned and occupied by two individuals.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2104 OAKLAND AVE, COVINGTON, KY 41014-1548
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2104 OAKLAND AVE, COVINGTON, KY 41014-1548
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 OAKLAND AVE, COVINGTON, KY 41014-1548

Mortgage

Document Number	0000003414
Date	Feb 20, 2026
Book Page	735/571
Instrument	26059000003414

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2104 OAKLAND AVE, COVINGTON, KY 41014-1548
Document Number	0000000115
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2104 OAKLAND AVE COVINGTON KY 410141548, COVINGTON, KY 41014-1548

Mortgage

Document Number	0000000115
Date	May 22, 2020
Book Page	000M47/000528
Instrument	115

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2050

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2104 OAKLAND AVE, COVINGTON, KY 41014-1548
Document Number	0000000045
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2104 OAKLAND AVE COVINGTON KY 410141548, COVINGTON, KY 41014-1548

Mortgage

Document Number	0000000045
Date	May 14, 2020
Book Page	000M44/000225
Instrument	45

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	May 13, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2104 Oakland Ave was $2,252.

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		$194,400 (+14.35%) Land $10,000 Building $184,400	$194,400 (+14.35%) Land $10,000 Building $184,400
2025	$2,252.00	$170,000 Land $5,000 Building $165,000	$170,000 Land $5,000 Building $165,000
2023	$2,264.00	$170,000 Land $5,000 Building $165,000	$170,000 Land $5,000 Building $165,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2104 Oakland Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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.

Wildfire

The area around 2104 Oakland Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 1,077 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Oakland Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures