2237 Madison Ave, Covington, KY 41014 Property Records

Kenton County property record for 2237 Madison Ave, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,662 sqft · built 1899
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Jun 2018)
Tax Bill	$993 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-23-14-008.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-14-008.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,662 sqft Finished Area
Gross Area	2,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Material	Slate
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	135 ft deep x 33 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2237 MADISON AVE
City	COVINGTON
State	KY
Zip	41014-1234
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WALLACE LOT 193
Legal Subdivision	WALLACE ROBERT
Legal Lot Number	193
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
Census Tract	61100

Owner

Source: Kenton County records, as of March 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2078 RICE PIKE, UNION, KY 41091-8403
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Commercial Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Mar 8, 2022	Deed of Trust, Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
May 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	201806 25 059 00278
Deed Book / Page	6437 / 294
Prior Transfer Date	Dec 23, 2005
Prior Transfer Doc	0005900186
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2237 MADISON AVE, COVINGTON, KY 41014-1234
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8042 TRAILWOOD CT, FLORENCE, KY 41042-8027

Mortgage

Document Number	0000003619
Date	Feb 24, 2026
Book Page	736/564
Instrument	26059000003619

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	CINCINNATI, OH 45242

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 20, 2051

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2237 MADISON AVE, COVINGTON, KY 41014-1234
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8042 TRAILWOOD CT, FLORENCE, KY 41042-8027

Mortgage

Document Number	0005900124
Date	Mar 8, 2022
Book Page	345/595
Instrument	22030805900124

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	HAMILTON, OH 45011

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Mar 7, 2047

Interest

Rate Type	Adjustable Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 26, 2020
Property Address	2237 MADISON AVE, COVINGTON, KY 41014-1234
Document Number	0000000094
Book / Page	000022 / 000983
Instrument Date	May 11, 2020
Instrument	94
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8042 TRAILWOOD CT FLORENCE KY 410428027, FLORENCE, KY 41042-8027

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 25, 2018
Property Address	2237 MADISON AVE, COVINGTON, KY 41014-1234
Document Number	0000000278
Book / Page	0C6437 / 000294
Instrument Date	Jun 15, 2018
Instrument	278
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8042 TRAILWOOD CT FLORENCE KY 410428027, FLORENCE, KY 41042-8027

Mortgage

Document Number	283
Date	Jun 25, 2018
Book Page	0C6437/000296
Instrument	283

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2033

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
2025	$993.00 (-0.6%)	$75,000 (-) Land $5,000 Building $70,000	$75,000 (-) Land $5,000 Building $70,000
2023	$999.00	$75,000 Land $5,000 Building $70,000	$75,000 Land $5,000 Building $70,000

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 98% of the US · lower than 98.2% 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 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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