2324 Madison Ave, Covington, KY 41014 Property Records

Kenton County property record for 2324 Madison Ave, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,350 sqft · built 1909
Lot Size	0.042 acres (1,846 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,500 (Mar 2020)
Tax Bill	$1,848 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-23-17-010.00`

Property Details

APN / Parcel Number

Primary APN	`055-23-17-010.00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,350 sqft Finished Area
Gross Area	2,500 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Block
Lot Area	1,846 sqft (0.042 acres)
Lot Dimensions	71 ft deep x 26 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2324 MADISON AVE
City	COVINGTON
State	KY
Zip	41014-1237
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOLMESDALE PT LOT 3 26'X 71' NEC 24TH MADISON
Legal Subdivision	HOLMESDALE
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
Census Tract	61100

Owner

Source: Kenton County records, as of October 20, 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 Record
Mailing Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Mar 5, 2020	Grant Deed, Transfer · FHA Mortgage AMERICAN MTG SVC
Jan 9, 2020	Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK
Mar 22, 2019	Grant Deed, Transfer ATTORNEY ONLY
May 31, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	20205900114
Deed Book / Page	10 / 20
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900251
Date	Feb 24, 2021
Book Page	172/901
Instrument	21022405900251

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 5, 2020
Property Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Document Number	0000000114
Book / Page	000010 / 000020
Instrument Date	Feb 28, 2020
Instrument	114
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2324 MADISON AVE COVINGTON KY 410141237, COVINGTON, KY 41014-1237

Mortgage

Document Number	115
Date	Mar 5, 2020
Book Page	000M16/000926
Instrument	115

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Document Number	0000000015
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2324 MADISON AVE COVINGTON KY 410141237, COVINGTON, KY 41014-1237

Mortgage

Document Number	0000000015
Date	Jan 10, 2020
Book Page	0000M2/000892
Instrument	15

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 22, 2019
Property Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Document Number	0000000134
Book / Page	0C6623 / 000201
Instrument Date	Mar 8, 2019
Instrument	134
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$66.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 EDGEWOOD RD FORT MITCHELL KY 410112619, FORT MITCHELL, KY 41011-2619

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	May 31, 2018
Property Address	2324 MADISON AVE, COVINGTON, KY 41014-1237
Document Number	0000000129
Book / Page	0C6420 / 000243
Instrument Date	May 14, 2018
Instrument	129
Transaction Type	Foreclosure
Record Updated	Jun 19, 2018

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2324 MADISON AVE COVINGTON KY 410141237, COVINGTON, KY 41014-1237

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		$140,000 (+0.36%) Land $10,000 Building $130,000	$140,000 (+0.36%) Land $10,000 Building $130,000
2025	$1,848.00 (-0.54%)	$139,500 (-) Land $5,000 Building $134,500	$139,500 (-) Land $5,000 Building $134,500
2023	$1,858.00	$139,500 Land $5,000 Building $134,500	$139,500 Land $5,000 Building $134,500

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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