2709 Indiana Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2709 Indiana Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1903
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$173,500 (Dec 2022)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-11-08-009.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-08-009.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,389 sqft Finished Area
Gross Area	1,493 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	120 ft deep x 70 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2709 INDIANA AVE
City	COVINGTON
State	KY
Zip	41015-1026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLDALE LAND CO LOTS 81-82
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	81-82
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
Census Tract	61400

Owner

2709 Indiana Ave is owned and occupied by an individual who bought it in December 2022.

Source: Kenton County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2709 INDIANA AVE, COVINGTON, KY 41015-1026
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO
Jun 20, 2018	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2022 · Amount on File
Deed Sale	Dec 7, 2022 · Amount on File
Prior Sale	Jul 13, 2015 · Amount on File
Deed Document Number	2022109
Deed Book / Page	204 / 8
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 7, 2022
Property Address	2709 INDIANA AVE, COVINGTON, KY 41015-1026
Document Number	0005900109
Book / Page	204 / 8
Instrument Date	Dec 5, 2022
Instrument	22120705900109
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8019 PLEASANT VALLEY RD, FLORENCE, KY 41042-7745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 INDIANA AVE, COVINGTON, KY 41015-1026

Mortgage

Document Number	0005900110
Date	Dec 7, 2022
Book Page	426/738
Instrument	22120705900110

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 20, 2018
Property Address	2709 INDIANA AVE, COVINGTON, KY 41015-1026
Document Number	0000000236
Book / Page	0C6435 / 000068
Instrument Date	Jun 18, 2018
Instrument	236
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.20
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	8019 PLEASANT VALLEY RD FLORENCE KY 410427745, FLORENCE, KY 41042-7745

Mortgage

Document Number	237
Date	Jun 20, 2018
Book Page	0C6435/000071
Instrument	237

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2709 Indiana Ave was $2,298.

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		$173,500 (-) Land $10,000 Building $163,500	$173,500 (-) Land $10,000 Building $163,500
2025	$2,298.00	$173,500 Land $5,000 Building $168,500	$173,500 Land $5,000 Building $168,500
2023	$2,311.00	$173,500 Land $5,000 Building $168,500	$173,500 Land $5,000 Building $168,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2709 Indiana Ave 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

Wildfire risk around 2709 Indiana Ave 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 99.1% of the US · lower than 99.2% 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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