3604 Myrtle Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3604 Myrtle Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 936 sqft · built 1951
Lot Size	0.176 acres (7,695 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,000 (Jul 2017)
Tax Bill	$1,470 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-34-01-005.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-01-005.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	936 sqft Finished Area
Gross Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	7,695 sqft (0.176 acres)
Lot Dimensions	135 ft deep x 57 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0563401005.00
Street Address	3604 MYRTLE AVE
City	COVINGTON
State	KY
Zip	41015-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINMORE PARK PT LOT 131 57'X 135' ES MYRTLE & COR PARK DR
Legal Subdivision	DINMORE PARK-LATONIA
Legal Lot Number	131
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

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	2 Individual Names on Record
Mailing Address	3604 MYRTLE AVE, COVINGTON, KY 41015-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit L&N FCU
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Aug 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Jul 6, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2017 · Amount on Record
Deed Sale	Jul 6, 2017 · Amount on Record
Prior Sale	Feb 25, 2013 · Amount on Record
Deed Document Number	0000619567
Deed Book / Page	6195 / 67
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3604 MYRTLE AVE, COVINGTON, KY 41015-1516
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900182
Date	Mar 1, 2022
Book Page	342/627
Instrument	22030105900182

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3604 MYRTLE AVE, COVINGTON, KY 41015-1516
Document Number	0000000269
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	BRIDGE TRUST TITLE GROUP, BRIDGE TR TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3604 MYRTLE AVE COVINGTON KY 410151516, COVINGTON, KY 41015-1516

Mortgage

Document Number	0000000269
Date	Jul 30, 2020
Book Page	000076/000244
Instrument	269

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3604 MYRTLE AVE, COVINGTON, KY 41015-1516
Document Number	0000000239
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3604 MYRTLE AVE COVINGTON KY 410151516, COVINGTON, KY 41015-1516

Mortgage

Document Number	0000000239
Date	Aug 14, 2019
Book Page	0C6730/000238
Instrument	239

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 6, 2017
Property Address	3604 MYRTLE AVE, COVINGTON, KY 41015-1516
Document Number	0000000178
Book / Page	006195 / 000067
Instrument Date	Jun 29, 2017
Instrument	178
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3604 MYRTLE AVE COVINGTON KY 410151516, COVINGTON, KY 41015-1516

Mortgage

Document Number	180
Date	Jul 6, 2017
Book Page	006195/000070
Instrument	180

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

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	$1,470.00 (-2.91%) Homeowner's exemption	$160,100 (-) Land $10,000 Building $150,100	$160,100 (-) Land $10,000 Building $150,100
2023	$1,514.00 Homeowner's exemption	$160,100 Land $10,000 Building $150,100	$160,100 Land $10,000 Building $150,100

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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