2401 Rose Ln, Covington, KY 41011 Property Records

Kenton County property record for 2401 Rose Ln, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,800 sqft · built 1961
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jan 2018)
Tax Bill	$1,678 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-20-06-001.09`

Property Details

APN / Parcel Number

Primary APN	`055-20-06-001.09`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Finished Area
Gross Area	2,948 sqft

Exterior

Year Built	Built 1961
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0552006001.09
Street Address	2401 ROSE LN
City	COVINGTON
State	KY
Zip	41011-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE CASINO 5TH ADDN PT LOTS 70-71-72 3 TRACTS LESS EXCEPTION
Legal Subdivision	MONTE CASINO
Legal Phase	6
Legal Lot Number	70,71 71
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
Census Tract	65100

Owner

Source: Kenton County records, as of November 27, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	2401 ROSE LN, COVINGTON, KY 41011-3925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L
Jan 23, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2018 · Amount on Record
Deed Sale	Jan 23, 2018 · Amount on Record
Prior Sale	Oct 31, 2006 · Amount on Record
Deed Document Number	0006339319
Deed Book / Page	6339 / 319
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2401 ROSE LN, COVINGTON, KY 41011-3925
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900173
Date	Dec 6, 2021
Book Page	311/58
Instrument	21120605900173

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2401 ROSE LN, COVINGTON, KY 41011-3925
Document Number	0000000143
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	AMC SETTLEMENT SERVICES LLC, AMC SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 ROSE LN COVINGTON KY 410113925, COVINGTON, KY 41011-3925

Mortgage

Document Number	0000000143
Date	Oct 16, 2020
Book Page	00M112/000970
Instrument	143

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 23, 2018
Property Address	2401 ROSE LN, COVINGTON, KY 41011-3925
Document Number	0000000225
Book / Page	0C6339 / 000319
Instrument Date	Jan 19, 2018
Instrument	225
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
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	2401 ROSE LN COVINGTON KY 410113925, COVINGTON, KY 41011-3925

Mortgage

Document Number	228
Date	Jan 23, 2018
Book Page	0C6339/000332
Instrument	228

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$1,678.00 (-28.32%) Disabled Person's exemption	$175,800 (-) Land $15,000 Building $160,800	$175,800 (-) Land $15,000 Building $160,800
2023	$2,341.00	$175,800 Land $15,000 Building $160,800	$175,800 Land $15,000 Building $160,800

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	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1993 · rainfall accumulation

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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 384 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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