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305 E Southern Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 305 E Southern Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,220 sqft · built 1914
Lot Size0.13 acres (5,650 sqft)
OwnerCompany Name on File
Last Sale$21,500 (Oct 1997)
Tax Bill$838 (2025)
Deeds & MortgagesFeb 2023 Mortgage
May 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN056-32-20-002.00

Property Details

APN / Parcel Number

Primary APN056-32-20-002.00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,220 sqft Finished Area
Gross Area1,771 sqft

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 1914
Exterior MaterialAluminum/Vinyl
Roof MaterialMetal
Lot Area5,650 sqft (0.13 acres)
Lot Dimensions113 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address305 E SOUTHERN AVE
CityCOVINGTON
StateKY
Zip41015-1527
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEARLE ELLISTON & HANLON LOTS 3-4 50'X 113' SS SOUTHERN E
Legal SubdivisionEARLE ELLISTON & HANLON
Legal Lot Number3-4
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2002
Census Tract61200

Owner

Source: Kenton County records · APN 056-32-20-002.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address305 E SOUTHERN AVE, COVINGTON, KY 41015-1527
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Feb 08, 2023Deed of Trust, Mortgage · FHA Mortgage
NATIONSTAR MORTGAGE LLC
May 02, 2018Deed of Trust, Mortgage · FHA Mortgage
MR COOPER
Feb 09, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 16, 1997 · Amount on Record
Deed SaleOct 16, 1997 · Amount on Record
Last Transfer DateFeb 01, 2018
Transfer Doc0000000158
Record UpdatedJun 08, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address305 E SOUTHERN AVE, COVINGTON, KY 41015-1527
Transaction TypeMortgage
Record UpdatedJan 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900123
DateFeb 08, 2023
Book PageKCM 439/209
Instrument23020805900123
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2053

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address305 E SOUTHERN AVE, COVINGTON, KY 41015-1527
Document Number0000000003
Instrument DateMay 02, 2018
Transaction TypeMortgage
Record UpdatedJun 12, 2018
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address305 E SOUTHERN AVE COVINGTON KY 410151527, COVINGTON, KY 41015-1527

Mortgage

Document Number0000000003
DateMay 17, 2018
Book Page0I6412/000098
Instrument3
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 16, 2048

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateFeb 09, 2018
Property Address305 E SOUTHERN AVE, COVINGTON, KY 41015-1527
Document Number0000000158
Book / Page0C6351 / 000090
Instrument DateFeb 01, 2018
Instrument158
Transaction TypeTransfer
Record UpdatedFeb 26, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address305 E SOUTHERN AVE COVINGTON KY 410151527, COVINGTON, KY 41015-1527

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$838.00 (-4.66%) Homeowner's exemption$112,400 (-) Land $10,000 Building $102,400$112,400 (-) Land $10,000 Building $102,400
2023$879.00 Homeowner's exemption$112,400 Land $10,000 Building $102,400$112,400 Land $10,000 Building $102,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1979–1997)
Most Recent ClaimMar 1997, rainfall accumulation, Severe Storm, Flooding, And Tornadoes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Ritte's East Historic District
listed 2014 · 628 contributing resources · NRIS 14000459

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 756 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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