32 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 32 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,044 sqft · built 1927
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$157,500 (Aug 2021)
Tax Bill	$2,086 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-24-07-011.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-07-011.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,044 sqft Finished Area
Gross Area	1,170 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS W 30' LOT 84 30'X 100' NS 28TH ST
Legal Subdivision	ROGERS M
Legal Lot Number	84
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61400

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	32 W 28TH ST, COVINGTON, KY 41015-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) STOCKTON MORTGAGE CORP
Aug 27, 2021	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Mar 18, 2021	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
May 16, 2017	Quit Claim Deed, Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 27, 2021 · Amount on Record
Deed Sale	Aug 27, 2021 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	20215900041
Deed Book / Page	113 / 929
Prior Transfer Date	Apr 19, 2017
Prior Transfer Doc	0000000414
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	32 W 28TH ST, COVINGTON, KY 41015-1101
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 W 28TH ST, COVINGTON, KY 41015-1101

Mortgage

Document Number	0005900043
Date	Aug 27, 2021
Book Page	263/447
Instrument	21082705900043

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 27, 2021
Property Address	32 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0005900041
Book / Page	113 / 929
Instrument Date	Aug 19, 2021
Instrument	21082705900041
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	712 SPIRERIDGE CT, 712, COLD SPRING, KY 41076-8717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 W 28TH ST, COVINGTON, KY 41015-1101

Mortgage

Document Number	0005900042
Date	Aug 27, 2021
Book Page	263/431
Instrument	21082705900042

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 18, 2021
Property Address	32 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0005900200
Book / Page	78 / 558
Instrument Date	Mar 12, 2021
Instrument	21031805900200
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 WHITE PINE CIR, 148, FLORENCE, KY 41042-3353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 SPIRERIDGE CT, COLD SPRING, KY 41076-8717

May 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 16, 2017
Property Address	32 W 28TH ST, COVINGTON, KY 41015-1101
Document Number	0000000414
Book / Page	0C6159 / 000349
Instrument Date	Apr 19, 2017
Instrument	414
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	VANTAGE POINT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101

Mortgage

Document Number	421
Date	May 16, 2017
Book Page	0C6160/000001
Instrument	421

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	DALLAS, TX 75019

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 15, 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
2025	$2,086.00 (-0.52%)	$157,500 (-) Land $5,000 Building $152,500	$157,500 (-) Land $5,000 Building $152,500
2023	$2,097.00	$157,500 Land $5,000 Building $152,500	$157,500 Land $5,000 Building $152,500

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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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)
Cincinnati Bell 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 USA.

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