Kenton County property record for 2528 Herman St, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,024 sqft |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,000 (Jun 2022) |
| Tax Bill | $2,371 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-23-11-035.00 |
| Primary APN | 055-23-11-035.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,024 sqft Finished Area |
| Gross Area | 1,120 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2528 HERMAN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUNTINGTON LOT & IMP CO LOTS 22-23-24 CENTRAL COV IMP CO ADDN |
| Legal Subdivision | HUNTINGTON LOT & IMP CO |
| Legal Lot Number | 22-24 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 65000 |
2528 Herman St is owned and occupied by an individual who bought it in June 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| 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.
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Feb 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jul 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jun 9, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 14, 2021 | Affidavit, Transfer |
| Sep 14, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on File |
| Deed Sale | Jun 9, 2022 · Amount on File |
| Prior Sale | Sep 14, 2021 · Amount on File |
| Deed Document Number | 202227 |
| Deed Book / Page | 170 / 52 |
| Prior Transfer Date | Sep 9, 2021 |
| Prior Transfer Doc | 0005900264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900015 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | KCM 688/697 |
| Instrument | 25091905900015 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 321 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900091 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | KCM 528/585 |
| Instrument | 24022705900091 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900142 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | KCM 480/436 |
| Instrument | 23073105900142 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 9, 2022 |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900027 |
| Book / Page | 170 / 52 |
| Map Reference | PL 99 |
| Instrument Date | Jun 2, 2022 |
| Instrument | 22060905900027 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2022 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3687 TAMBER RIDGE DR, 3687, COVINGTON, KY 41015-2500 |
| Name | Verified Name |
|---|---|
| Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900028 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 22060905900028 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 14, 2021 |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900264 |
| Book / Page | 117 / 614 |
| Instrument Date | Sep 9, 2021 |
| Instrument | 21091405900264 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 14, 2021 |
| Property Address | 2528 HERMAN ST, COVINGTON, KY 41014-1644 |
| Document Number | 0005900263 |
| Book / Page | 117 / 611 |
| Map Reference | PL 99 |
| Instrument Date | Sep 9, 2021 |
| Instrument | 21091405900263 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $67.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 ASHLEY DR, 130, DRY RIDGE, KY 41035-7060 |
| Name | Verified Name |
|---|---|
| Address | 3687 TAMBER RIDGE DR, COVINGTON, KY 41015-2500 |
The 2025 property tax bill for 2528 Herman St was $2,371.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $179,000 (-) Land $10,000 Building $169,000 | $179,000 (-) Land $10,000 Building $169,000 | |
| 2025 | $2,371.00 | $179,000 Land $5,000 Building $174,000 | $179,000 Land $5,000 Building $174,000 |
| 2023 | $2,384.00 | $179,000 Land $5,000 Building $174,000 | $179,000 Land $5,000 Building $174,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2528 Herman 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 risk around 2528 Herman 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 94% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 465 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures