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

Kenton County property record for 35 W 31st St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1926
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Apr 2024)
Tax Bill	$2,000 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2024 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-006.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-006.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Finished Area
Gross Area	798 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Wood Siding
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	100 ft deep x 33 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	35 W 31ST ST
City	COVINGTON
State	KY
Zip	41015-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOT 240
Legal Subdivision	ROGERS M
Legal Lot Number	240
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

35 W 31st St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	35 W 31ST ST, COVINGTON, KY 41015-1216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Feb 5, 2024	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Prior Sale	Feb 5, 2024 · Amount on File
Deed Document Number	202420
Deed Book / Page	280 / 563
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	35 W 31ST ST, COVINGTON, KY 41015-1216
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 WELLINGTON PL, CINCINNATI, OH 45219-1758

Mortgage

Document Number	0005900021
Date	Apr 23, 2024
Book Page	KCM542/715
Instrument	24042305900021

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	20 PRESTIGE PLAZA DR, MIAMISBURG, OH 45342

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

February 2024: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Feb 5, 2024
Property Address	35 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0005900109
Book / Page	KC 268 / 160
Instrument Date	Jun 9, 2023
Instrument	24020505900109
Transaction Type	Foreclosure
Record Updated	Feb 19, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176476, COVINGTON, KY 41017-6476

Tax Assessment & Valuation

The 2025 property tax bill for 35 W 31st St was $2,000.

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		$151,000 (-) Land $10,000 Building $141,000	$151,000 (-) Land $10,000 Building $141,000
2025	$2,000.00	$151,000 Land $5,000 Building $146,000	$151,000 Land $5,000 Building $146,000
2023	$707.00 Homeowner's exemption	$99,500 Land $5,000 Building $94,500	$99,500 Land $5,000 Building $94,500

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

Flood

FEMA maps place 35 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

The area around 35 W 31st 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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