22 W 32nd St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 22 W 32nd St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,183 sqft · built 1928
Lot Size	0.065 acres (2,824 sqft)
Owner	Individual Name on File
Last Sale	$155,500 (Sep 2020)
Tax Bill	$2,060 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-027.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-027.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,183 sqft Finished Area
Gross Area	1,423 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,824 sqft (0.065 acres)
Lot Dimensions	80 ft deep x 35.3 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 W 32ND ST
City	COVINGTON
State	KY
Zip	41015-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOT 65 & PT CLOSED ST 35.33'X 80' NS 32ND ST
Legal Subdivision	ROGERS M
Legal Lot Number	65
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

22 W 32nd St is owned and occupied by an individual who bought it in September 2020.

Source: Kenton County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	22 W 32ND ST, COVINGTON, KY 41015-1219
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
Sep 18, 2020	Deed of Trust, Mortgage · FHA Mortgage STOCKTON MTG
Sep 24, 2020	Warranty Deed, Transfer · FHA Mortgage STOCKTON MTG
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI REGIONS MTG
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI REGIONS MTG
Aug 15, 2017	Warranty Deed, Transfer REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Aug 15, 2017 · Amount on File
Deed Document Number	20205900071
Deed Book / Page	45 / 438
Prior Transfer Date	Feb 8, 2016
Prior Transfer Doc	0000000208
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000072
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	0000000072
Date	Sep 24, 2020
Book Page	00M102/000032
Instrument	72

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 24, 2020
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000071
Book / Page	000045 / 000438
Instrument Date	Sep 18, 2020
Instrument	71
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	72
Date	Sep 24, 2020
Book Page	00M102/000032
Instrument	72

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2050

Mortgage

Document Number	73,
Date	Sep 24, 2020
Book Page	00M102/000048
Instrument	73

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2030

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000073
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	0000000073
Date	Sep 24, 2020
Book Page	00M102/000048
Instrument	73

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2030

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000177
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	0000000177
Date	Jun 2, 2020
Book Page	000M51/000858
Instrument	177

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000103
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	0000000103
Date	Jun 17, 2020
Book Page	000M58/000677
Instrument	103

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 15, 2017
Property Address	22 W 32ND ST, COVINGTON, KY 41015-1219
Document Number	0000000202
Book / Page	0C6225 / 000117
Instrument Date	Aug 10, 2017
Instrument	202
Transaction Type	Transfer
Record Updated	Aug 28, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 W 32ND ST COVINGTON KY 410151219, COVINGTON, KY 41015-1219

Mortgage

Document Number	203
Date	Aug 15, 2017
Book Page	006225/000120
Instrument	203

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 22 W 32nd St was $2,060.

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		$155,500 (-) Land $10,000 Building $145,500	$155,500 (-) Land $10,000 Building $145,500
2025	$2,060.00	$155,500 Land $5,000 Building $150,500	$155,500 Land $5,000 Building $150,500
2023	$2,071.00	$155,500 Land $5,000 Building $150,500	$155,500 Land $5,000 Building $150,500

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

Flood

FEMA maps place 22 W 32nd St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 22 W 32nd St is low, with less than a 0.01% annual chance of 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

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 663 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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