321 W 34th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 321 W 34th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1913
Lot Size	0.098 acres (4,290 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Jun 2017)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-14-04-003.00`

Property Details

APN / Parcel Number

Primary APN	`056-14-04-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Finished Area
Gross Area	2,240 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,290 sqft (0.098 acres)
Lot Dimensions	130 ft deep x 33.3 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 W 34TH ST
City	COVINGTON
State	KY
Zip	41015-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON LOTS 238-341 33.33'X 130' IRREG
Legal Subdivision	SEHON
Legal Lot Number	238-341
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
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	321 W 34TH ST, COVINGTON, KY 41015-1149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2017 · Amount on Record
Deed Sale	Jun 29, 2017 · Amount on Record
Prior Sale	Mar 12, 2010 · Amount on Record
Deed Document Number	201706 29 059 00260
Deed Book / Page	6191 / 45
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 29, 2017
Property Address	321 W 34TH ST, COVINGTON, KY 41015-1149
Document Number	0000000260
Book / Page	006191 / 000045
Instrument Date	Jun 23, 2017
Instrument	260
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W 34TH ST COVINGTON KY 410151149, COVINGTON, KY 41015-1149

Mortgage

Document Number	262
Date	Jun 29, 2017
Book Page	006191/000048
Instrument	262

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 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		$218,000 (-) Land $10,000 Building $208,000	$218,000 (-) Land $10,000 Building $208,000
2025	$2,888.00 (-0.52%)	$218,000 (-) Land $10,000 Building $208,000	$218,000 (-) Land $10,000 Building $208,000
2023	$2,903.00	$218,000 Land $10,000 Building $208,000	$218,000 Land $10,000 Building $208,000

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	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 691 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
AT&T Fixed Wireless	100 / 20