Kenton County property record for 281A Madison Pike, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1987 |
| Lot Size | 2.15 acres (94,046 sqft) |
| Owner | Individual Name on File |
| Last Sale | $142,000 (Jul 2020) |
| Tax Bill | $1,407 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-10-00-031.00 |
| Primary APN | 045-10-00-031.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,326 sqft Finished Area |
| Gross Area | 2,274 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 94,046 sqft (2.15 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 281A MADISON PIKE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.159 ACS ES MADISON PK NO OF FOWLER CREEK RD |
| Legal Subdivision | FOWLER CREEK |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 66801 |
281A Madison Pike is owned by an individual who bought it in July 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 281 MADISON PIKE, A, FT MITCHELL, KY 41017-9543 |
| 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 |
|---|---|
| Jul 15, 2020 | Deed of Trust, Mortgage · Conventional with PMI US BK |
| Jul 21, 2020 | Warranty Deed, Transfer · Conventional with PMI US BK |
| Jan 7, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2020 · Amount on File |
| Deed Sale | Jul 21, 2020 · Amount on File |
| Prior Sale | Aug 2, 1999 · Amount on File |
| Deed Document Number | 20205900048 |
| Deed Book / Page | 32 / 779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 281 MADISON PIKE # A, A, COVINGTON, KY 41017-9543 |
| Document Number | 0000000049 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 281 MADISON PIKE #A COVINGTON KY 410179543, A, COVINGTON, KY 41017-9543 |
| Document Number | 0000000049 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 000M71/000645 |
| Instrument | 49 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2020 |
| Property Address | 281 MADISON PIKE # A, A, COVINGTON, KY 41017-9543 |
| Document Number | 0000000048 |
| Book / Page | 000032 / 000779 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 48 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 281 MADISON PIKE #A COVINGTON KY 410179543, A, COVINGTON, KY 41017-9543 |
| Document Number | 49 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 000M71/000645 |
| Instrument | 49 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 281 MADISON PIKE # A, A, COVINGTON, KY 41017-9543 |
| Document Number | 0000000090 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2020 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 281 MADISON PIKE #A FORT MITCHELL KY 410179543, A, FORT MITCHELL, KY 41017-9543 |
| Document Number | 0000000090 |
|---|---|
| Date | Feb 13, 2020 |
| Book Page | 000M11/000469 |
| Instrument | 90 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 12, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 281 MADISON PIKE # A, A, COVINGTON, KY 41017-9543 |
| Document Number | 0000000028 |
| Instrument Date | May 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 281 MADISON PIKE #A FORT MITCHELL KY 410179543, A, FORT MITCHELL, KY 41017-9543 |
| Document Number | 0000000028 |
|---|---|
| Date | Jun 8, 2017 |
| Book Page | 0I3951/000282 |
| Instrument | 28 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 7, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 281A Madison Pike was $1,407.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $191,700 (+35%) Land $25,000 Building $166,700 | $191,700 (+35%) Land $25,000 Building $166,700 | |
| 2025 | $1,407.00 | $142,000 Land $25,000 Building $117,000 | $142,000 Land $25,000 Building $117,000 |
| 2023 | $1,513.00 | $142,000 Land $25,000 Building $117,000 | $142,000 Land $25,000 Building $117,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281A Madison Pike in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 281A Madison Pike is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 166 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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