29 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 29 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,368 sqft · built 1909
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$186,400 (May 2025)
Tax Bill	$2,206 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-09-008.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-09-008.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,368 sqft Finished Area
Gross Area	1,494 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	200 ft deep x 27 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	29 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 112-113-136-137 27'X 200' SS 28TH 75' W FLORIDA
Legal Subdivision	ROGERS M
Legal Phase	37
Legal Lot Number	112,13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61400

Owner

Source: Kenton County records, as of October 21, 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	29 W 28TH ST, COVINGTON, KY 41015-1179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Apr 5, 2022	Warranty Deed, Transfer
Apr 15, 2022	Warranty Deed, Transfer
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Prior Sale	Nov 30, 2022 · Amount on Record
Deed Document Number	2025149
Deed Book / Page	342 / 546
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	29 W 28TH ST, COVINGTON, KY 41015-1179
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900036
Date	Nov 30, 2022
Book Page	424/797
Instrument	22113005900036

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	29 W 28TH ST, COVINGTON, KY 41015-1179
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 W 28TH ST, COVINGTON, KY 41015-1179

Mortgage

Document Number	0005900037
Date	Nov 30, 2022
Book Page	424/811
Instrument	22113005900037

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 5, 2022
Property Address	29 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0005900175
Book / Page	157 / 874
Instrument Date	Mar 29, 2022
Instrument	22040505900175
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 W 28TH ST, 29, COVINGTON, KY 41015-1179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12333 SOWDEN RD # B-6937, B, HOUSTON, TX 77080-2059
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2022
Property Address	29 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0005900157
Book / Page	159 / 927
Instrument Date	Mar 28, 2022
Instrument	22041505900157
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1233 SIDNEY STB, 1233, HOUSTON, TX 77023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8817 TULIPWOOD CT, CINCINNATI, OH 45242-7925

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	29 W 28TH ST, COVINGTON, KY 41015-1179
Document Number	0000000297
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 28, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 W 28TH ST COVINGTON KY 410151179, COVINGTON, KY 41015-1179

Mortgage

Document Number	0000000297
Date	Nov 8, 2018
Book Page	0C6542/000039
Instrument	297

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2048

Interest

Rate Type	Adjustable Rate

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		$186,400 (+11.95%) Land $10,000 Building $176,400	$186,400 (+11.95%) Land $10,000 Building $176,400
2025	$2,206.00 (-0.5%)	$166,500 (-) Land $5,000 Building $161,500	$166,500 (-) Land $5,000 Building $161,500
2023	$2,217.00	$166,500 Land $5,000 Building $161,500	$166,500 Land $5,000 Building $161,500

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 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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