33 W 31st St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 33 W 31st St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,312 sqft · built 1926
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$71,500 (Jan 1996)
Tax Bill	$830 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,312 sqft Finished Area
Gross Area	1,744 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	80 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	33 W 31ST ST
City	COVINGTON
State	KY
Zip	41015-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS E 20' LOT 59 & 10' LOT 60
Legal Subdivision	ROGERS M
Legal Lot Number	59,60
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

33 W 31st St is owned and occupied by an individual who bought it in January 1996.

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

Owner of Record	Individual Name on File
Mailing Address	33 W 31ST ST, COVINGTON, KY 41015-1216
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
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 14, 2018	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 1996 · Amount on File
Deed Sale	Jan 3, 1996 · Amount on File
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	33 W 31ST ST, COVINGTON, KY 41015-1216
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 W 31ST ST, COVINGTON, KY 41015-1216

Mortgage

Document Number	0005900011
Date	Dec 29, 2025
Book Page	KCM 721/74
Instrument	25122905900011

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	33 W 31ST ST, COVINGTON, KY 41015-1216
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 W 31ST ST, COVINGTON, KY 41015-1216

Mortgage

Document Number	0005900204
Date	Aug 5, 2021
Book Page	252/107
Instrument	21080505900204

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 27, 2041

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	33 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000228
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	0000000228
Date	Dec 26, 2018
Book Page	0C6570/000178
Instrument	228

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	33 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000156
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	0000000156
Date	Oct 25, 2018
Book Page	0C6531/000221
Instrument	156

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 24, 2043

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	33 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000170
Book / Page	0C6099 / 000034
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	0000000170
Date	Feb 17, 2017
Book Page	0C6099/000034
Instrument	170

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 33 W 31st St was $830 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	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,200 (+25.4%) Land $10,000 Building $130,200	$140,200 (+25.4%) Land $10,000 Building $130,200
2025	$830.00 Homeowner's exemption	$111,800 Land $5,000 Building $106,800	$111,800 Land $5,000 Building $106,800
2023	$871.00 Homeowner's exemption	$111,800 Land $5,000 Building $106,800	$111,800 Land $5,000 Building $106,800

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

Flood

FEMA maps place 33 W 31st 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

Wildfire risk around 33 W 31st St 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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