2107 Maryland Ave, Covington, KY 41014 Property Records

Kenton County property record for 2107 Maryland Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,270 sqft · built 1899
Lot Size	0.043 acres (1,875 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jul 2024)
Tax Bill	$2,186 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-04-071.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-04-071.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,270 sqft Finished Area
Gross Area	2,334 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	1,875 sqft (0.043 acres)
Lot Dimensions	75 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2107 MARYLAND AVE
City	COVINGTON
State	KY
Zip	41014-1579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY REALTY CO SEC 3 LOT 4 25'X75'
Legal Subdivision	CITY REALTY CO
Legal Phase	3
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1024
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

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

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

Owner of Record	Individual Name on Record
Mailing Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Jun 14, 2022	Deed, Transfer KENTUCKY LAND TITLE AGENCY
Apr 4, 2022	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Aug 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 18, 2019	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Prior Sale	Oct 5, 2022 · Amount on Record
Deed Document Number	202442
Deed Book / Page	292 / 216
Prior Transfer Date	Oct 3, 2022
Prior Transfer Doc	0000000148
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	HOMESTEAD TITLE AGENCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900149
Date	Oct 5, 2022
Book Page	412/424
Instrument	22100505900149

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jun 14, 2022
Property Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Document Number	0005900137
Book / Page	171 / 70
Instrument Date	Jun 10, 2022
Instrument	22061405900137
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 SIGNATURE DR S, 100, XENIA, OH 45385-8904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SIGNATURE DR S, XENIA, OH 45385-8904

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2022
Property Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Document Number	0005900116
Book / Page	157 / 478
Instrument Date	Mar 29, 2022
Instrument	22040405900116
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2510 STEVENS RD, 2510, PETERSBURG, KY 41080-9333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2510 STEVENS RD, PETERSBURG, KY 41080-9333

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Document Number	0000000011
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2107 MARYLAND AVE COVINGTON KY 410141579, COVINGTON, KY 41014-1579

Mortgage

Document Number	0000000011
Date	Oct 5, 2020
Book Page	00M106/000533
Instrument	11

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2019
Property Address	2107 MARYLAND AVE, COVINGTON, KY 41014-1579
Document Number	0000000113
Book / Page	0C6756 / 000093
Instrument Date	Aug 20, 2019
Instrument	113
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	AMERICAN HOMELAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 MARYLAND AVE COVINGTON KY 410141579, COVINGTON, KY 41014-1579

Mortgage

Document Number	114
Date	Sep 18, 2019
Book Page	0C6756/000098
Instrument	114

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

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		$165,000 (-) Land $10,000 Building $155,000	$165,000 (-) Land $10,000 Building $155,000
2025	$2,186.00 (+21.58%)	$165,000 (+22.22%) Land $5,000 Building $160,000	$165,000 (+22.22%) Land $5,000 Building $160,000
2023	$1,798.00	$135,000 Land $5,000 Building $130,000	$135,000 Land $5,000 Building $130,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% 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 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.

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