3209 Rogers St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3209 Rogers St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,209 sqft · built 1914
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$184,000 (Oct 2023)
Tax Bill	$2,438 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`056-13-08-015.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-08-015.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,209 sqft Finished Area
Gross Area	1,395 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3209 ROGERS ST
City	COVINGTON
State	KY
Zip	41015-1141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOTS 135-136
Legal Subdivision	SEHON
Legal Lot Number	135,13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	61400

Owner

3209 Rogers St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3209 ROGERS ST, COVINGTON, KY 41015-1141
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
Oct 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FSLA
Jul 11, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Jul 11, 2022 · Amount on File
Deed Document Number	20235
Deed Book / Page	250 / 897
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3209 ROGERS ST, COVINGTON, KY 41015-1141
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 ELM ST, LUDLOW, KY 41016-1450

Mortgage

Document Number	0005900006
Date	Oct 10, 2023
Book Page	KCM 498/624
Instrument	23101005900006

Lender

Name	CINCINNATI FSLA
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 11, 2022
Property Address	3209 ROGERS ST, COVINGTON, KY 41015-1141
Document Number	0005900080
Book / Page	176 / 139
Instrument Date	Jul 7, 2022
Instrument	22071105900080
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Amount	Amount on Record
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12135 SEAFORD DR, 12135, CINCINNATI, OH 45231-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5475 TAYLOR MILL RD, TAYLOR MILL, KY 41015-2267

Tax Assessment & Valuation

The 2025 property tax bill for 3209 Rogers St was $2,438.

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		$184,000 (-) Land $10,000 Building $174,000	$184,000 (-) Land $10,000 Building $174,000
2025	$2,438.00	$184,000 Land $5,000 Building $179,000	$184,000 Land $5,000 Building $179,000
2023	$892.00	$67,000 Land $5,000 Building $62,000	$67,000 Land $5,000 Building $62,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3209 Rogers St in Zone X, an area of minimal flood risk.

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

The area around 3209 Rogers St has no burnable land within ember reach, so its wildfire risk is not rated.

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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