3410 Graff St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3410 Graff St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,298 sqft · built 1926
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$119,900 (Jan 2021)
Tax Bill	$1,588 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2017 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-13-05-023.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-05-023.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,298 sqft Finished Area
Gross Area	1,431 sqft

Exterior

Year Built	Built 1926
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0561305023.00
Street Address	3410 GRAFF ST
City	COVINGTON
State	KY
Zip	41015-1160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEHON PT LOTS 327-329 25'X 100' ES GRAFF ST
Legal Subdivision	SEHON
Legal Phase	9
Legal Lot Number	327,32
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
Census Tract	61400

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND
Aug 7, 2017	Grant Deed, Transfer REGIONS MTG
Aug 7, 2017	Grant Deed, Transfer MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Apr 11, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2021 · Amount on Record
Deed Sale	Jan 21, 2021 · Amount on Record
Prior Sale	Aug 7, 2017 · Amount on Record
Deed Document Number	0000067475
Deed Book / Page	67 / 475
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 21, 2021
Property Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Document Number	0000000028
Book / Page	000067 / 000475
Instrument Date	Jan 20, 2021
Instrument	28
Transaction Type	Transfer
Record Updated	Mar 12, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 GRAFF ST COVINGTON KY 410151160, COVINGTON, KY 41015-1160

Mortgage

Document Number	29
Date	Jan 21, 2021
Book Page	00M156/000758
Instrument	29

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

Mortgage

Document Number	30,
Date	Jan 21, 2021
Book Page	00M156/000774
Instrument	30

Lender

Name	KENTUCKY HSNG
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2031

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 7, 2017
Property Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Document Number	0000001618
Book / Page	006219 / 000126
Instrument Date	Jul 31, 2017
Instrument	1618
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATINGLY FORD TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 GRAFF ST COVINGTON KY 410151160, COVINGTON, KY 41015-1160

Mortgage

Document Number	169
Date	Aug 7, 2017
Book Page	006219/000146
Instrument	169

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 7, 2017
Property Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Document Number	0000000168
Book / Page	0C6219 / 000126
Instrument Date	Jul 31, 2017
Instrument	168
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 GRAFF ST COVINGTON KY 410151160, COVINGTON, KY 41015-1160

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Document Number	0000000243
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 GRAFF ST COVINGTON KY 410151160, COVINGTON, KY 41015-1160

Mortgage

Document Number	0000000243
Date	Sep 6, 2017
Book Page	0C6242/000218
Instrument	243

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COVINGTON, KY 41011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 5, 2022

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2017
Property Address	3410 GRAFF ST, COVINGTON, KY 41015-1160
Document Number	0000000110
Book / Page	0C6134 / 000116
Instrument Date	Apr 10, 2017
Instrument	110
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	628 POINTE BENTON LN COVINGTON KY 410141100, COVINGTON, KY 41014-1100

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$1,588.00 (-0.56%)	$119,900 (-) Land $5,000 Building $114,900	$119,900 (-) Land $5,000 Building $114,900
2023	$1,597.00	$119,900 Land $5,000 Building $114,900	$119,900 Land $5,000 Building $114,900

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

3410 Graff St, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

August 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Graff St

Nearby Streets

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