22 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 22 W 28th St, Covington, KY 41015 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 593 sqft · built 1910
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Last Sale	$144,000 (Jul 2024)
Tax Bill	$1,908 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-08-017.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-08-017.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	593 sqft Finished Area
Gross Area	713 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Type	Basement
Garage Area	161 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS E 8 1,3' LOT 81 & W 1/2 LOT 80 25'X 100' NS 28TH 25' E FLORIDA
Legal Subdivision	ROGERS M
Legal Lot Number	81,80
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61400

Owner

Source: Kenton County records · APN 055-24-08-017.00

Assessment roll updated December 2, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	22 W 28TH ST, COVINGTON, KY 41015-1101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Mar 24, 2021	Intrafamily Transfer, Transfer
Nov 06, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Mar 03, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 05, 2024 · Amount on Record
Deed Sale	Jul 05, 2024 · Amount on Record
Prior Sale	Nov 06, 2020 · Amount on Record
Deed Document Number	2024201
Deed Book / Page	293 / 393
Prior Transfer Date	Feb 19, 2021
Prior Transfer Doc	0005900132
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 28TH ST, COVINGTON, KY 41015-1101
Transaction Type	Mortgage
Record Updated	Jun 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 28TH ST, COVINGTON, KY 41015-1101

Mortgage

Document Number	0005900018
Date	May 25, 2022
Book Page	372/933
Instrument	22052505900018

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Nov 01, 2050

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Mar 24, 2021
Property Address	22 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0005900132
Book / Page	79 / 777
Instrument Date	Feb 19, 2021
Instrument	21032405900132
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22 W 28TH ST, COVINGTON, KY 41015-1101

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 06, 2020
Property Address	22 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000166
Book / Page	000053 / 000905
Instrument Date	Oct 30, 2020
Instrument	166
Transaction Type	Transfer
Record Updated	Dec 07, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$73.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101

Mortgage

Document Number	167
Date	Nov 06, 2020
Book Page	00M122/000344
Instrument	167

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000142
Book / Page	0C6118 / 000338
Instrument Date	Mar 03, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101

Mortgage

Document Number	0000000142
Date	Mar 20, 2017
Book Page	0C6118/000338
Instrument	142

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2037

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

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

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	$1,908.00 (+183.93%)	$144,000 (+48.61%) Land $5,000 Building $139,000	$144,000 (+48.61%) Land $5,000 Building $139,000
2023	$672.00 Homeowner's exemption	$96,900 Land $5,000 Building $91,900	$96,900 Land $5,000 Building $91,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 663 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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