3104 Madison Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3104 Madison Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,210 sqft · built 1948
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$117,500 (Feb 2021)
Tax Bill	$942 (2025)
Deeds & Mortgages	Feb 2021 Sale Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-11-09-008.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-09-008.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,210 sqft Finished Area
Gross Area	1,820 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3104 MADISON AVE
City	COVINGTON
State	KY
Zip	41015-1044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMILTON LOT 8 & E 20' LOT 7 60'X 120.06' NS MADISON LESS PT SOLD TO COMM
Legal Subdivision	HAMILTON (HATTIE)
Legal Lot Number	7,8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
Census Tract	65100

Owner

3104 Madison Ave is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3104 MADISON AVE, COVINGTON, KY 41015-1044
Occupancy	Owner Occupied
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
Feb 24, 2021	Deed, Transfer KENTUCKY LAND TITLE AGENCY
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Prior Sale	Sep 23, 2003 · Amount on File
Deed Document Number	20215900281
Deed Book / Page	73 / 971
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 24, 2021
Property Address	3104 MADISON AVE, COVINGTON, KY 41015-1044
Document Number	0005900281
Book / Page	73 / 971
Map Reference	PL 376
Instrument Date	Feb 24, 2021
Instrument	21022405900281
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 MADISON AVE, COVINGTON, KY 41015-1044

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3104 MADISON AVE, COVINGTON, KY 41015-1044
Document Number	0000000152
Book / Page	0C6285 / 000266
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 MADISON AVE COVINGTON KY 410151044, COVINGTON, KY 41015-1044

Mortgage

Document Number	0000000152
Date	Nov 2, 2017
Book Page	006285/000266
Instrument	152

Lender

Name	PNC BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3104 Madison Ave was $942 with a homeowner's exemption.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Kenton Vale City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,200 (-) Land $15,000 Building $129,200	$144,200 (-) Land $15,000 Building $129,200
2025	$942.00 Homeowner's exemption	$144,200 Land $15,000 Building $129,200	$144,200 Land $15,000 Building $129,200
2023	$1,252.00	$117,500 Land $15,000 Building $102,500	$117,500 Land $15,000 Building $102,500

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

Flood

FEMA maps place 3104 Madison Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1993 · rainfall accumulation

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.

Wildfire

Wildfire risk around 3104 Madison Ave 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 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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