3112 Rogers St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3112 Rogers St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,636 sqft · built 1909
Lot Size	0.071 acres (3,100 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2026)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-035.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-035.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,636 sqft Finished Area
Gross Area	1,726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Slate
Lot Area	3,100 sqft (0.071 acres)
Lot Dimensions	100 ft deep x 31 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3112 ROGERS ST
City	COVINGTON
State	KY
Zip	41015-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 270-271-272 31'X 100' NEC 32ND & ROGERS
Legal Subdivision	ROGERS M
Legal Phase	2
Legal Lot Number	270,27
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
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	3112 ROGERS ST, COVINGTON, KY 41015-1140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
Oct 30, 2025	Warranty Deed, Transfer · Balloon Mortgage GOLDEN EMPIRE MORTGAGE INC
Sep 29, 2022	Warranty Deed, Transfer · Seller Carry-Back WILLIAM PHILLIPS
Jan 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 4, 2017	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Oct 30, 2025 · Amount on Record
Deed Document Number	202612585
Deed Book / Page	446 / 802
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0000000209
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 16, 2026
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0000012585
Book / Page	446 / 802
Instrument Date	Jun 8, 2026
Instrument	202612585
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,745.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 ROGERS ST, COVINGTON, KY 41015-1140

Mortgage

Document Number	0000012586,
Date	Jun 16, 2026
Instrument	2026061612586

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 30, 2025
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0005900103
Book / Page	KC 371 / 777
Map Reference	MB 192 PG 357
Instrument Date	Oct 30, 2025
Instrument	25103005900103
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 EWING RD # 9, 9, EWING, KY 41039-8416

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900104
Date	Oct 30, 2025
Instrument	25103005900104

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 29, 2022
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0005900074
Book / Page	192 / 357
Instrument Date	Aug 8, 2022
Instrument	22092905900074
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7118 BARIBILL PL, 7118, CINCINNATI, OH 45230-4023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3112 ROGERS ST, COVINGTON, KY 41015-1140

Mortgage

Document Number	0005900075
Date	Sep 29, 2022
Instrument	22092905900075

Lender

Name	WILLIAM PHILLIPS
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	58 Months
Due	Jul 24, 2027

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 13, 2020
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0000000139
Book / Page	000002 / 000250
Instrument Date	Jan 8, 2020
Instrument	139
Transaction Type	Transfer
Record Updated	Mar 19, 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
Address	3112 ROGERS ST COVINGTON KY 410151140, COVINGTON, KY 41015-1140

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 26, 2017
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0000000132
Book / Page	0C6280 / 000111
Instrument Date	Oct 24, 2017
Instrument	132
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$59.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3112 ROGERS ST COVINGTON KY 410151140, COVINGTON, KY 41015-1140

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 4, 2017
Property Address	3112 ROGERS ST, COVINGTON, KY 41015-1140
Document Number	0000000278
Book / Page	006151 / 000062
Instrument Date	Apr 24, 2017
Instrument	278
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 GERMANIA ST CINCINNATI OH 452273508, CINCINNATI, OH 45227-3508

Mortgage

Document Number	280
Date	May 4, 2017
Book Page	006151/000065
Instrument	280

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

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		$158,400 (+32%) Land $10,000 Building $148,400	$158,400 (+32%) Land $10,000 Building $148,400
2025	$1,590.00 (+0.76%)	$120,000 (-) Land $5,000 Building $115,000	$120,000 (-) Land $5,000 Building $115,000
2024	$1,578.00 (-1.25%)	$120,000 (-) Land $5,000 Building $115,000	$120,000 (-) Land $5,000 Building $115,000
2023	$1,598.00	$120,000 Land $5,000 Building $115,000	$120,000 Land $5,000 Building $115,000

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	Not rated no burnable land within 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 663 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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