2989 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 2989 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Triplex
Details	2 bd · 2 ba · 2,536 sqft · built 1945
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$219,900 (May 2025)
Tax Bill	$1,225 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-11-05-004.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-05-004.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,536 sqft Finished Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Triplex
Exterior Material	Brick
Foundation Type	Block
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2989 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1071
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	MILLDALE LAND CO LOT 290
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	290
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3000
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	Company Name on Record
Mailing Address	30 N GOULD ST, SHERIDAN, WY 82801-6317
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage KENADY FUNDINGS LLC
Feb 27, 2025	Deed of Trust, Mortgage · Line of Credit AMYTODD LLC
May 6, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 5, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage SCF JAKE LP
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage KIMBERLY CALDWELL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2025 · Amount on Record
Deed Sale	May 6, 2025 · Amount on Record
Prior Sale	Feb 5, 2024 · Amount on Record
Deed Document Number	2025100
Deed Book / Page	341 / 491
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0000000272
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2989 MADISON AVE, COVINGTON, KY 41015-1071
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4299 LIZMARK RD, BURLINGTON, KY 41005-2001

Mortgage

Document Number	0005900148
Date	Mar 26, 2024
Book Page	KCM 535/705
Instrument	24032605900148

Lender

Name	KENADY FUNDINGS LLC
Type	Non-Lending Institution
Address	COVINGTON, KY 41016

Agreement

Amount	Amount Recorded
Term	3 Months
Due	Jun 25, 2024

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2989 MADISON AVE, COVINGTON, KY 41015-1071
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4299 LIZMARK RD, BURLINGTON, KY 41005-2001

Mortgage

Document Number	0005900049
Date	Feb 27, 2025
Book Page	KCM 628/295
Instrument	25022705900049

Lender

Name	AMYTODD LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 6, 2025
Property Address	2989 MADISON AVE, COVINGTON, KY 41015-1071
Document Number	0005900100
Book / Page	KC 341 / 491
Instrument Date	Apr 18, 2025
Instrument	25050605900100
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	UNKNOWN, RAPID TITLE INC

Transaction

Amount	Amount Recorded
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	2989 MADISON AVE, COVINGTON, KY 41015-1071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 N GOULD ST, SHERIDAN, WY 82801-6317

Mortgage

Document Number	0005900101
Date	May 6, 2025
Instrument	25050605900101

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 5, 2024
Property Address	2989 MADISON AVE, COVINGTON, KY 41015-1071
Document Number	0005900115
Book / Page	KC 268 / 176
Instrument Date	Jan 23, 2024
Instrument	24020505900115
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4299 LIZMARK RD, BURLINGTON, KY 41005-2001

Mortgage

Document Number	0005900025
Date	Feb 5, 2024
Instrument	24020605900025

Lender

Name	SCF JAKE LP
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Aug 1, 2024

Mortgage

Document Number	0005900076
Date	Feb 6, 2024
Book Page	KCM 524/762
Instrument	24020605900076

Lender

Name	TRENTHAM CONSTRUCTION AND REMODELING LLC
Type	Non-Lending Institution
Address	MOORESVILLE, IN 46158

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Aug 1, 2024

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2989 MADISON AVE, COVINGTON, KY 41015-1071
Document Number	0000000119
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	812 RUSSELL ST COVINGTON KY 410113165, COVINGTON, KY 41011-3165

Mortgage

Document Number	0000000119
Date	Mar 13, 2020
Book Page	000019/000645
Instrument	119

Lender

Name	KIMBERLY CALDWELL
Address	2822 OCEAN AVE, VENICE, CA 90291-4662

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 12, 2030

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		$219,900 (+137.73%) Land $10,000 Building $209,900	$219,900 (+137.73%) Land $10,000 Building $209,900
2025	$1,225.00 (+15.02%)	$92,500 (+15.63%) Land $5,000 Building $87,500	$92,500 (+15.63%) Land $5,000 Building $87,500
2023	$1,065.00	$80,000 Land $5,000 Building $75,000	$80,000 Land $5,000 Building $75,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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