2869 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2869 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,800 sqft · built 1925
Lot Size	0.063 acres (2,765 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Apr 2021)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-02-005.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-02-005.00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,800 sqft Finished Area
Gross Area	1,872 sqft

Exterior

Year Built	Built 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,765 sqft (0.063 acres)
Lot Dimensions	70 ft deep x 39.5 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0552402005.00
Street Address	2869 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 39.45'X 70' SE COR MADISON & 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 November 27, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2869 MADISON AVE, COVINGTON, KY 41015-1166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Nov 27, 2018	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Aug 30, 2018	Warranty Deed, Transfer METRO TITLE COMPANY
May 23, 2017	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	Nov 27, 2018 · Amount on Record
Deed Document Number	0000086210
Deed Book / Page	86 / 210
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 23, 2021
Property Address	2869 MADISON AVE, COVINGTON, KY 41015-1166
Document Number	0005900105
Book / Page	86 / 210
Instrument Date	Apr 19, 2021
Instrument	21042305900105
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5381 JUMPIER LANE, 5381, FLORENCE, KY 41042

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2869 MADISON AVE, COVINGTON, KY 41015-1166

Mortgage

Document Number	0005900106
Date	Apr 23, 2021
Instrument	21042305900106

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 27, 2018
Property Address	2869 MADISON AVE, COVINGTON, KY 41015-1166
Document Number	0000000008
Book / Page	0C6552 / 000083
Instrument Date	Nov 21, 2018
Instrument	8
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.65
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2869 MADISON AVE COVINGTON KY 410151166, COVINGTON, KY 41015-1166

Mortgage

Document Number	9
Date	Nov 27, 2018
Book Page	0C6552/000087
Instrument	9

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 30, 2018
Property Address	2869 MADISON AVE, COVINGTON, KY 41015-1166
Document Number	0000000140
Book / Page	0C6490 / 000139
Instrument Date	Aug 7, 2018
Instrument	140
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	METRO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301
Investor	Possibly a Property Investor

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 23, 2017
Property Address	2869 MADISON AVE, COVINGTON, KY 41015-1166
Document Number	0000000205
Book / Page	0C6165 / 000270
Instrument Date	May 22, 2017
Instrument	205
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MERGE ESCROW LLC, ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.15
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2869 MADISON AVE COVINGTON KY 410151166, COVINGTON, KY 41015-1166

Mortgage

Document Number	206
Date	May 23, 2017
Book Page	0C6165/000273
Instrument	206

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$2,120.00 (-0.52%)	$160,000 (-) Land $8,000 Building $152,000	$160,000 (-) Land $8,000 Building $152,000
2023	$2,131.00	$160,000 Land $8,000 Building $152,000	$160,000 Land $8,000 Building $152,000

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

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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