2865 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2865 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1925
Lot Size	0.049 acres (2,147 sqft)
Owner	2 Individual Names on Record
Tax Bill	$519 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-24-02-007.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-02-007.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Finished Area
Gross Area	1,457 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,147 sqft (0.049 acres)
Lot Dimensions	63.9 ft deep x 33.6 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2865 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLDALE LAND CO PT LOTS 1-2 33.6'X 63.93' SS 27TH E BIRCH
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	1,2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	2865 MADISON AVE, COVINGTON, KY 41015-1166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2865 MADISON AVE, COVINGTON, KY 41015-1166
Document Number	0000000215
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	TIMIOS INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2865 MADISON AVE COVINGTON KY 410151166, COVINGTON, KY 41015-1166

Mortgage

Document Number	0000000215
Date	Sep 2, 2020
Book Page	000M92/000648
Instrument	215

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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
2026		$130,400 (+47.68%) Land $10,000 Building $120,400	$130,400 (+47.68%) Land $10,000 Building $120,400
2025	$519.00 (-6.99%) Homeowner's exemption	$88,300 (-) Land $5,000 Building $83,300	$88,300 (-) Land $5,000 Building $83,300
2023	$558.00 Homeowner's exemption	$88,300 Land $5,000 Building $83,300	$88,300 Land $5,000 Building $83,300

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

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 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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