2825 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2825 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 629 sqft · built 1939
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Jul 2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`055-24-07-004.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-07-004.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	629 sqft Finished Area
Gross Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2825 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 25-26 EXCEPT 15FT STRIP IN REAR & 5FT TRIANG STRIP OF 24 ADJ LOT 25
Legal Subdivision	ROGERS M
Legal Lot Number	24,25
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61400

Owner

Source: Kenton County records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2825 MADISON AVE, COVINGTON, KY 41015-1130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Nov 9, 2011 · Amount on Record
Deed Document Number	202613765
Deed Book / Page	454 / 716
Prior Transfer Date	Nov 16, 2005
Prior Transfer Doc	0005900084
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 6, 2026
Property Address	2825 MADISON AVE, COVINGTON, KY 41015-1130
Document Number	0000013765
Book / Page	454 / 716
Instrument Date	Jun 18, 2026
Instrument	202613765
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NORTHWEST AR TITLE, NORTHWEST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,685.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2825 MADISON AVE, COVINGTON, KY 41015-1130

Mortgage

Document Number	0000013766,
Date	Jul 6, 2026
Instrument	2026070613766

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2825 MADISON AVE, COVINGTON, KY 41015-1130
Transaction Type	Mortgage
Record Updated	Dec 29, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2825 MADISON AVE, COVINGTON, KY 41015-1130

Mortgage

Document Number	0005900155
Date	Nov 28, 2022
Book Page	424/107
Instrument	22112805900155

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Assessed Value	Assessed Market Value
2026	$114,900 (+198.44%) Land $10,000 Building $104,900	$114,900 (+198.44%) Land $10,000 Building $104,900
2025	$38,500 (-) Land $5,000 Building $33,500	$38,500 (-) Land $5,000 Building $33,500
2023	$38,500 Land $5,000 Building $33,500	$38,500 Land $5,000 Building $33,500

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% 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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