3537 Myrtle Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3537 Myrtle Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1919
Lot Size	0.198 acres (8,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Oct 2019)
Tax Bill	$2,069 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-32-26-006.00`

Property Details

APN / Parcel Number

Primary APN	`056-32-26-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,440 sqft Finished Area
Gross Area	2,007 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	135 ft deep x 64 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	3537 MYRTLE AVE
City	COVINGTON
State	KY
Zip	41015-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINMORE PARK LOT 27 & N 14' LOT 26 64'X 135' WS MYRTLE AVE
Legal Subdivision	DINMORE PARK-LATONIA
Legal Lot Number	27,26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
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

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	2 Individual Names on Record
Mailing Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Line of Credit CINFED FEDERAL CREDIT UNION
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit CINFED FEDERAL CREDIT UNION
Oct 23, 2019	Warranty Deed, Transfer · FHA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2019 · Amount on Record
Deed Sale	Oct 23, 2019 · Amount on Record
Prior Sale	Sep 8, 2000 · Amount on Record
Deed Document Number	201910 23 059 00044
Deed Book / Page	6785 / 15
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Apr 23, 2026
Property Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570
Document Number	0000007952
Book / Page	417 / 390
Instrument Date	Apr 6, 2026
Instrument	20267952
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570

Mortgage

Document Number	0000007952,
Date	Apr 23, 2026
Book Page	417/390
Instrument	20267952

Lender

Name	CINFED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2046

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Apr 27, 2026
Property Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570
Document Number	0000008151
Book / Page	418 / 650
Instrument Date	Apr 6, 2026
Instrument	20268151
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570

Mortgage

Document Number	0000008151,
Date	Apr 27, 2026
Book Page	418/650
Instrument	20268151

Lender

Name	CINFED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 25, 2046

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 23, 2019
Property Address	3537 MYRTLE AVE, COVINGTON, KY 41015-1570
Document Number	0000000044
Book / Page	0C6785 / 000015
Instrument Date	Oct 18, 2019
Instrument	44
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3537 MYRTLE AVE COVINGTON KY 410151570, COVINGTON, KY 41015-1570

Mortgage

Document Number	45
Date	Oct 23, 2019
Book Page	0C6785/000018
Instrument	45

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

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		$156,200 (-) Land $15,000 Building $141,200	$156,200 (-) Land $15,000 Building $141,200
2025	$2,069.00 (-0.53%)	$156,200 (-) Land $10,000 Building $146,200	$156,200 (-) Land $10,000 Building $146,200
2023	$2,080.00	$156,200 Land $10,000 Building $146,200	$156,200 Land $10,000 Building $146,200

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 · 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 Record 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

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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