2881 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2881 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,735 sqft · built 1918
Lot Size	0.117 acres (5,130 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2020)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-24-01-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-01-013.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,735 sqft Finished Area
Gross Area	2,065 sqft

Exterior

Year Built	Built 1918
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,130 sqft
Lot Dimensions	96 ft deep x 53 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0552401013.00
Street Address	2881 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1172
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLDALE LAND CO PT LOTS 15 15-1/2-16 53.33'X 96.19' IRREG
Legal Subdivision	MILLDALE LAND CO
Legal Phase	16
Legal Lot Number	15,151 15
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
Mailing Address	2881 MADISON AVE, COVINGTON, KY 41015-1172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Grant Deed, Transfer · Conventional with PMI PNC BK
Jan 4, 2017	Warranty Deed, Transfer · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2020 · Amount on Record
Deed Sale	Nov 18, 2020 · Amount on Record
Prior Sale	Jan 4, 2017 · Amount on Record
Deed Document Number	0000056179
Deed Book / Page	56 / 179
Record Updated	Jun 8, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 18, 2020
Property Address	2881 MADISON AVE, COVINGTON, KY 41015-1172
Document Number	0000000170
Book / Page	000056 / 000179
Instrument Date	Oct 9, 2020
Instrument	170
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 MADISON AVE COVINGTON KY 410151172, COVINGTON, KY 41015-1172

Mortgage

Document Number	171
Date	Nov 18, 2020
Book Page	00M128/000738
Instrument	171

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2017
Property Address	2881 MADISON AVE, COVINGTON, KY 41015-1172
Document Number	0000000055
Book / Page	0C6067 / 000207
Instrument Date	Dec 22, 2016
Instrument	55
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	281 MADISON AVE COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number	56
Date	Jan 4, 2017
Book Page	0C6067/000211
Instrument	56

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 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	$1,788.00 (-0.56%)	$135,000 (-) Land $5,000 Building $130,000	$135,000 (-) Land $5,000 Building $130,000
2023	$1,798.00	$135,000 Land $5,000 Building $130,000	$135,000 Land $5,000 Building $130,000

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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