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2816 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2816 Madison Ave, Covington, KY 41015 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1875
Square Footage2,276 sqft Finished Area
Lot Size3,990 sqft (0.092 acres)
OccupancyOwner Occupied
Last Sale$226,500 (2023)
Tax Bill$3,001.00 (2025)

Owner

Source: Kenton County records · APN 055-24-06-012.00

Assessment roll updated December 2, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address2816 MADISON AVE, COVINGTON, KY 41015-1131
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Sep 27, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Mar 20, 2019Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Nov 28, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Nov 08, 2018Trustee's Deed, Transfer
ANN MILBURN
Jul 19, 2017Quit Claim Deed, Transfer
KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 27, 2023 · Amount on Record
Deed SaleSep 27, 2023 · Amount on Record
Prior SaleAug 17, 2023 · Amount on Record
Deed Doc Number20234
Deed Book / Page248 / 653
Prior Transfer DateFeb 28, 2017
Prior Transfer Doc0005900028
Record RefreshedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Transaction TypeMortgage
Record UpdatedApr 08, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address2816 MADISON AVE, COVINGTON, KY 41015-1131

Mortgage

Document Number0005900137
DateMar 25, 2024
Book PageKCM 535/212
Instrument24032505900137
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 27, 2023
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Document Number0005900004
Book / PageKC 248 / 653
Map ReferencePL 366
Instrument DateSep 01, 2023
Instrument23092705900004
Transaction TypeTransfer
Record UpdatedOct 13, 2023
Title Company360 AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2330 QUEBEC RD, CINCINNATI, OH 45214-1355

Transferred To (Grantee/Buyer)

NameVerified Name
Address2816 MADISON AVE, COVINGTON, KY 41015-1131

Mortgage

Document Number0005900005
DateSep 27, 2023
Instrument23092705900005
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 20, 2019
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Document Number0000000116
Book / Page0C6622 / 000048
Instrument DateMar 15, 2019
Instrument116
Transaction TypeTransfer
Record UpdatedApr 05, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$30.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2330 QUEBEC RD CINCINNATI OH 452141355, CINCINNATI, OH 45214-1355

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateNov 28, 2018
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Document Number0000000144
Book / Page0C6553 / 000107
Instrument DateNov 27, 2018
Instrument144
Transaction TypeTransfer
Record UpdatedDec 07, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$162.76
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2816 MADISON AVE COVINGTON KY 410151131, COVINGTON, KY 41015-1131
InvestorPossibly a Property Investor

November 2018: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateNov 08, 2018
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Document Number0000000320
Book / Page0C6542 / 000112
Instrument DateNov 08, 2018
Instrument320
Transaction TypeTransfer
Record UpdatedDec 18, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,800.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3113 CAROL LEE DR ERLANGER KY 410182247, ERLANGER, KY 41018-2247
InvestorPossibly a Property Investor

Mortgage

Document Number55
DateNov 08, 2018
Book Page0C6554/000001
Instrument55
Lender
NameANN MILBURN
Address425 WALNUT ST # 7TH, CINCINNATI, OH 45202-3944
Agreement
AmountAmount Recorded
Term240 Months
DueNov 07, 2038
Interest
Rate3.22%

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJul 19, 2017
Property Address2816 MADISON AVE, COVINGTON, KY 41015-1131
Document Number0000000028
Book / Page00000C / 006205
Instrument DateFeb 28, 2017
Instrument28
Transaction TypeTransfer
Record UpdatedAug 03, 2017
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 1772 NEWPORT KY 41072, NEWPORT, KY 41072

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,001.00 (+275.59%)$226,500 (+277.5%) Land $5,000 Building $221,500$226,500 (+277.5%) Land $5,000 Building $221,500
2023$799.00 (+0.88%)$60,000 (-) Land $5,000 Building $55,000$60,000 (-) Land $5,000 Building $55,000
2022$792.00$60,000 Land $5,000 Building $55,000$60,000 Land $5,000 Building $55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 7% of the US · above 8% of Kentucky
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN055-24-06-012.00

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,276 sqft Finished Area
Gross Area2,656 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1875
Effective Year BuiltEffective 1875
Exterior MaterialAluminum/Vinyl Exterior
Roof MaterialComposition Shingle Roof
Lot Area3,990 sqft (0.092 acres)
Depth X Width133 ft x 30 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address2816 MADISON AVE
CityCOVINGTON
StateKY
Zip41015-1131
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionKENTON HILLS PROPERTY PT LOTS 44-45 30'X 133' NS 27TH 48 1/2' E KENTON
Legal SubdivisionKENTON HILLS PROPERTY
Legal Lot Number44,45
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2010
Census Tract65100

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