3524 Myrtle Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3524 Myrtle Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1912
Lot Size	0.108 acres (4,725 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Feb 2022)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-31-23-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-23-007.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,440 sqft Finished Area
Gross Area	1,918 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,725 sqft (0.108 acres)
Lot Dimensions	135 ft deep x 35 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3524 MYRTLE AVE
City	COVINGTON
State	KY
Zip	41015-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINMORE PARK N 35' LOT 44 35'X 135' IRREG ES MYRTLE & PT CLOSED ALLEY
Legal Subdivision	DINMORE PARK-LATONIA
Legal Lot Number	44
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ritte's East Historic District listed 2014 · 628 contributing resources · NRIS 14000459

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3524 Myrtle Ave is owned by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4123 CIRCLEWOOD DR, ERLANGER, KY 41018-2853
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
Feb 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage JLB CORP
Mar 26, 2019	Warranty Deed, Transfer · Conventional with PMI VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2022 · Amount on File
Deed Sale	Feb 11, 2022 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Document Number	2022163
Deed Book / Page	147 / 648
Prior Transfer Date	Jan 29, 2022
Prior Transfer Doc	0005900163
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 11, 2022
Property Address	3524 MYRTLE AVE, COVINGTON, KY 41015-1514
Document Number	0005900163
Book / Page	147 / 648
Instrument Date	Jan 29, 2022
Instrument	22021105900163
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	COPPER TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4123 CIRCLEWOOD DR, ERLANGER, KY 41018-2853

Mortgage

Document Number	0005900164
Date	Feb 11, 2022
Book Page	336/904
Instrument	22021105900164

Lender

Name	JLB CORP
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 26, 2019
Property Address	3524 MYRTLE AVE, COVINGTON, KY 41015-1514
Document Number	0000000049
Book / Page	0C6625 / 000025
Instrument Date	Mar 22, 2019
Instrument	49
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3524 MYRTLE AVE COVINGTON KY 410151514, COVINGTON, KY 41015-1514

Mortgage

Document Number	50
Date	Mar 26, 2019
Book Page	0C6625/000029
Instrument	50

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3524 Myrtle Ave was $2,330.

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		$175,900 (-) Land $15,000 Building $160,900	$175,900 (-) Land $15,000 Building $160,900
2025	$2,330.00	$175,900 Land $10,000 Building $165,900	$175,900 Land $10,000 Building $165,900
2023	$2,343.00	$175,900 Land $10,000 Building $165,900	$175,900 Land $10,000 Building $165,900

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

Flood

FEMA maps place 3524 Myrtle Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 3 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 13 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3524 Myrtle Ave 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 95% of the US · lower than 95% 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 98 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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