2945 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2945 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,358 sqft · built 1919
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$42,500 (Jun 2020)
Tax Bill	$1,126 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-11-07-005.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-07-005.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,358 sqft Finished Area
Gross Area	1,550 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	120 ft deep x 35 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2945 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLDALE LAND CO LOT 116
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	116
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	13 CATALINA DR, WALTON, KY 41094-1069
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Oct 20, 2021	Intrafamily Transfer, Transfer
Jun 23, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 21, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Prior Sale	Oct 21, 2019 · Amount on Record
Deed Document Number	20205900036
Deed Book / Page	27 / 726
Last Transfer Date	Oct 19, 2021
Transfer Doc	0005900329
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2945 MADISON AVE, COVINGTON, KY 41015-1059
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900068
Date	Dec 13, 2021
Book Page	313/638
Instrument	21121305900068

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Oct 20, 2021
Property Address	2945 MADISON AVE, COVINGTON, KY 41015-1059
Document Number	0005900329
Book / Page	125 / 456
Map Reference	MB 80 PG 640
Instrument Date	Oct 19, 2021
Instrument	21102005900329
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 CATALINA DR, WALTON, KY 41094-1069

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 23, 2020
Property Address	2945 MADISON AVE, COVINGTON, KY 41015-1059
Document Number	0000000036
Book / Page	000027 / 000726
Instrument Date	Jun 10, 2020
Instrument	36
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13 CATALINA DR WALTON KY 410941069, WALTON, KY 41094-1069

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2019
Property Address	2945 MADISON AVE, COVINGTON, KY 41015-1059
Document Number	0000000106
Book / Page	0C6782 / 000248
Instrument Date	Jun 5, 2019
Instrument	106
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$48.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637

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		$133,600 (+57.18%) Land $10,000 Building $123,600	$133,600 (+57.18%) Land $10,000 Building $123,600
2025	$1,126.00 (-0.53%)	$85,000 (-) Land $5,000 Building $80,000	$85,000 (-) Land $5,000 Building $80,000
2023	$1,132.00	$85,000 Land $5,000 Building $80,000	$85,000 Land $5,000 Building $80,000

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 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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