2814 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2814 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft
Lot Size	0.127 acres (5,520 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Aug 2020)
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Mar 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-06-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-06-013.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	984 sqft Finished Area

Exterior

Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,520 sqft (0.127 acres)
Lot Dimensions	133 ft deep x 41.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2814 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENTON HILLS PROPERTY PT LOT 44 41.46'X 133' N S 27TH
Legal Subdivision	KENTON HILLS PROPERTY
Legal Lot Number	44
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2010
Census Tract	65100

Owner

Source: Kenton County assessment roll, as of December 2, 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 File
Mailing Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer · Conventional with PMI GOLD FIN'L SVCS
Mar 20, 2019	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 8, 2018	Trustee's Deed, Transfer ANN MILBURN
Nov 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 19, 2017	Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	20205900188
Deed Book / Page	38 / 348
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0005900028
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2020
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000188
Book / Page	000038 / 000348
Instrument Date	Aug 14, 2020
Instrument	188
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2814 MADISON AVE COVINGTON KY 410151131, COVINGTON, KY 41015-1131

Mortgage

Document Number	189
Date	Aug 20, 2020
Book Page	000M85/000875
Instrument	189

Lender

Name	GOLD FIN'L SVCS
Type	Funding / Finance Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 20, 2019
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000116
Book / Page	0C6622 / 000048
Instrument Date	Mar 15, 2019
Instrument	116
Transaction Type	Transfer
Record Updated	Apr 5, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2330 QUEBEC RD CINCINNATI OH 452141355, CINCINNATI, OH 45214-1355

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2018
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000144
Book / Page	0C6553 / 000107
Instrument Date	Nov 27, 2018
Instrument	144
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$162.76
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2814 MADISON AVE COVINGTON KY 410151131, COVINGTON, KY 41015-1131
Investor	Possibly a Property Investor

November 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2018
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000320
Book / Page	0C6542 / 000112
Instrument Date	Nov 8, 2018
Instrument	320
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,800.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3113 CAROL LEE DR ERLANGER KY 410182247, ERLANGER, KY 41018-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	55
Date	Nov 8, 2018
Book Page	0C6554/000001
Instrument	55

Lender

Name	ANN MILBURN
Address	425 WALNUT ST # 7TH, CINCINNATI, OH 45202-3944

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 7, 2038

Interest

Rate	3.22%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2018
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000011
Book / Page	0C6538 / 000001
Instrument Date	Oct 30, 2018
Instrument	11
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8.50
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	LQP 4 W 4TH ST #400 NEWPORT KY 41071, 400, NEWPORT, KY 41071

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 19, 2017
Property Address	2814 MADISON AVE, COVINGTON, KY 41015-1131
Document Number	0000000028
Book / Page	00000C / 006205
Instrument Date	Feb 28, 2017
Instrument	28
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1772 NEWPORT KY 41072, NEWPORT, KY 41072

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	$1,060.00 (-0.47%)	$80,000 (-) Land $5,000 Building $75,000	$80,000 (-) Land $5,000 Building $75,000
2023	$1,065.00	$80,000 Land $5,000 Building $75,000	$80,000 Land $5,000 Building $75,000

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 at the parcel

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)
Cincinnati Bell 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 USA.

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