3009 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3009 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,584 sqft · built 1928
Lot Size	0.05 acres (2,178 sqft)
Owner	Trust Name on Record
Last Sale	$15,000 (Oct 2015)
Tax Bill	$993 (2025)
Deeds & Mortgages	Sep 2020 Transfer Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-11-02-004.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-02-004.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,584 sqft Finished Area
Gross Area	1,647 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3009 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1042
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MILLDALE LAND CO LOT 254
Legal Subdivision	MILLDALE LAND CO
Legal Lot Number	254
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3001
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	Trust Name on Record
Mailing Address	2601 MADISON AVE, COVINGTON, KY 41014-1659
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2015 · Amount on Record
Deed Sale	Oct 28, 2015 · Amount on Record
Prior Sale	Jun 15, 2004 · Amount on Record
Deed Document Number	201510 28 059 00128
Deed Book / Page	5764 / 246
Last Transfer Date	Aug 30, 2020
Transfer Doc	0005900138
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 30, 2020
Property Address	3009 MADISON AVE, COVINGTON, KY 41015-1042
Document Number	0000000138
Book / Page	000046 / 000575
Instrument Date	Aug 30, 2020
Instrument	138
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3136 WESTBOURNE DR CINCINNATI OH 452485117, CINCINNATI, OH 45248-5117

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3009 MADISON AVE, COVINGTON, KY 41015-1042
Document Number	0000000291
Instrument Date	Jun 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3009 MADISON AVE COVINGTON KY 410151042, COVINGTON, KY 41015-1042

Mortgage

Document Number	0000000291
Date	Jun 9, 2017
Book Page	0C6178/000273
Instrument	291

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MASON, OH 45040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 8, 2032

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		$120,000 (+6%) Land $10,000 Building $110,000	$120,000 (+6%) Land $10,000 Building $110,000
2025	$993.00 (-0.6%)	$75,000 (-) Land $5,000 Building $70,000	$75,000 (-) Land $5,000 Building $70,000
2023	$999.00	$75,000 Land $5,000 Building $70,000	$75,000 Land $5,000 Building $70,000

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 95% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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