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

Kenton County property record for 25 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,079 sqft · built 1935
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on Record
Last Sale	$266,000 (May 2026)
Tax Bill	$1,437 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-09-010.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-09-010.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,079 sqft Finished Area
Gross Area	1,517 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	200 ft deep x 51 ft wide
Garage Type	Basement
Garage Area	224 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	25 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOTS 115-134 & PT LOTS 114-135 51'X 200' SS 28TH ST
Legal Subdivision	ROGERS M
Legal Phase	35
Legal Lot Number	134,114
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61400

Owner

Source: Kenton County records, as of June 9, 2026

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	25 W 28TH ST, COVINGTON, KY 41015-1179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST COMPANY
Apr 16, 2026	Correction Deed, Transfer NONE LISTED ON DOCUMENT
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit HERITAGE BK
Mar 25, 2019	Deed of Trust, Mortgage · Line of Credit HERITAGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	202605129782
Deed Book / Page	429 / 688
Prior Transfer Date	Apr 7, 2026
Prior Transfer Doc	0000007349
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	May 12, 2026
Property Address	25 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000009782
Book / Page	429 / 688
Instrument Date	May 6, 2026
Instrument	20269782
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,866.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 W 28TH ST, COVINGTON, KY 41015-1179
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009783,
Date	May 12, 2026
Instrument	202605129783

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	KENTON KY
Recording Date	Apr 16, 2026
Property Address	25 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000007349
Book / Page	413 / 640
Instrument Date	Apr 7, 2026
Instrument	20267349
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2001 PIECK DR, COVINGTON, KY 41011-2667

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	25 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000000260
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 W 28TH ST COVINGTON KY 410151179, COVINGTON, KY 41015-1179

Mortgage

Document Number	0000000260
Date	Oct 8, 2020
Book Page	00M109/000016
Instrument	260

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 7, 2030

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	25 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000000140
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 W 28TH ST COVINGTON KY 410151179, COVINGTON, KY 41015-1179

Mortgage

Document Number	0000000140
Date	Apr 4, 2019
Book Page	0C6633/000007
Instrument	140

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2029

Interest

Rate Type	Adjustable Rate

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	$1,437.00 (+73.76%)	$108,500 (-) Land $5,000 Building $103,500	$108,500 (-) Land $5,000 Building $103,500
2023	$827.00 Homeowner's exemption	$108,500 Land $5,000 Building $103,500	$108,500 Land $5,000 Building $103,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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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