2939 Madison Ave, #41, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2939 Madison Ave, #41, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1919
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Aug 2023)
Tax Bill	$2,292 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-11-07-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-07-007.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Finished Area
Gross Area	1,952 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2939 MADISON AVE, 41
City	COVINGTON
State	KY
Zip	41015-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLDALE LAND CO LOTS 113-114
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	113-114
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2003
Census Tract	61400

Owner

2939 Madison Ave, #41 is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2939 MADISON AVE, COVINGTON, KY 41015-1059
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage CITY OF COVINGTON
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Apr 11, 2022	Warranty Deed, Transfer · Commercial Mortgage F STREET INVESTMENTS LLC
Sep 18, 2020	Deed of Trust, Construction Loan · Construction Mortgage CREAMER ROBERT L (ES)
Sep 18, 2020	Warranty Deed, Construction Loan · Construction Mortgage CREAMER ROBERT L (ES)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Prior Sale	May 15, 2023 · Amount on File
Deed Document Number	2023172
Deed Book / Page	242 / 258
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2939 MADISON AVE # 41, 41, COVINGTON, KY 41015-1059
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900093
Date	Jun 22, 2023
Book Page	KCM 470/562
Instrument	23062205900093

Lender

Name	CITY OF COVINGTON
Type	Government Agency
Address	COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	118 Months
Due	Apr 25, 2033

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 15, 2023
Property Address	2939 MADISON AVE # 41, 41, COVINGTON, KY 41015-1059
Document Number	0005900106
Book / Page	KC 226 / 580
Map Reference	PL 174
Instrument Date	Apr 26, 2023
Instrument	23051505900106
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	877 CLUBTRAIL DR, FLORENCE, KY 41042-2399

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2939 MADISON AVE, COVINGTON, KY 41015-1059

Mortgage

Document Number	0005900107
Date	May 15, 2023
Instrument	23051505900107

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2022
Property Address	2939 MADISON AVE # 41, 41, COVINGTON, KY 41015-1059
Document Number	0005900266
Book / Page	158 / 985
Map Reference	PL 174
Instrument Date	Apr 4, 2022
Instrument	22041105900266
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 4TH ST, CEDAR GROVE, IN 47016-7502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 MADISON AVE # 2941, 2941, COVINGTON, KY 41015-1059

Mortgage

Document Number	0005900267
Date	Apr 11, 2022
Instrument	22041105900267

Lender

Name	F STREET INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2020
Property Address	2939 MADISON AVE # 41, 41, COVINGTON, KY 41015-1059
Document Number	0000000147
Book / Page	000M99 / 000393
Instrument Date	Sep 16, 2020
Instrument	147
Transaction Type	Construction Loan
Record Updated	Oct 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 34 CEDAR GROVE IN 470160034, CEDAR GROVE, IN 47016-0034

Mortgage

Document Number	0000000147
Date	Sep 18, 2020
Book Page	000M99/000393
Instrument	147

Lender

Name	CREAMER ROBERT L (ES)
Address	26 STONEGATE DR, FLORENCE, KY 41042-9306

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 17, 2021

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2020
Property Address	2939 MADISON AVE # 41, 41, COVINGTON, KY 41015-1059
Document Number	0000000146
Book / Page	000044 / 000241
Instrument Date	Sep 16, 2020
Instrument	146
Transaction Type	Construction Loan
Record Updated	Oct 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 34 CEDAR GROVE IN 470160034, CEDAR GROVE, IN 47016-0034

Mortgage

Document Number	147
Date	Sep 18, 2020
Book Page	000M99/000393
Instrument	147

Lender

Name	CREAMER ROBERT L (ES)
Address	26 STONEGATE DR, FLORENCE, KY 41042-9306

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 17, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 2939 Madison Ave, #41 was $2,292.

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		$173,000 (-) Land $10,000 Building $163,000	$173,000 (-) Land $10,000 Building $163,000
2025	$2,292.00	$173,000 Land $5,000 Building $168,000	$173,000 Land $5,000 Building $168,000
2023	$1,065.00	$80,000 Land $5,000 Building $75,000	$80,000 Land $5,000 Building $75,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2939 Madison Ave, #41 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2939 Madison Ave, #41 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% 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 384 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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