39 Loraine Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 39 Loraine Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1930
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Jan 2022)
Tax Bill	$1,427 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Sep 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042-30-00-032.00`

Property Details

APN / Parcel Number

Primary APN	`042-30-00-032.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Finished Area
Gross Area	1,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Stucco
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	100 ft deep x 35 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 LORAINE CT
City	COVINGTON
State	KY
Zip	41015-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENTON VALE LOT 39
Legal Subdivision	KENTON VALE
Legal Lot Number	39
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3023
Census Tract	65200

Owner

39 Loraine Ct is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	39 LORAINE CT, COVINGTON, KY 41015-1039
Occupancy	Owner Occupied
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
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 17, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIBER HOME LOANS INC
Jan 3, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Jan 3, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Jul 2, 2014 · Amount on File
Deed Document Number	2022250
Deed Book / Page	139 / 899
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 LORAINE CT, COVINGTON, KY 41015-1039
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LORRAINE CT, COVINGTON, KY 41015-1039

Mortgage

Document Number	0005900031
Date	Aug 4, 2021
Book Page	251/313
Instrument	21080405900031

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	275 Months
Due	Jul 1, 2044

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 LORAINE CT, COVINGTON, KY 41015-1039
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LORRAINE CT, COVINGTON, KY 41015-1039

Mortgage

Document Number	0005900121
Date	Sep 17, 2024
Book Page	KCM 583/770
Instrument	24091705900121

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	LATONIA, KY 41015

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	328 Months
Due	Jan 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 LORRAINE CT, COVINGTON, KY 41015-1039
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	NOT AVAILABLE, ATS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LORRAINE CT, COVINGTON, KY 41015-1039

Mortgage

Document Number	0005900252
Date	Jan 3, 2022
Book Page	320/596
Instrument	22010305900252

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2032

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 3, 2022
Property Address	39 LORAINE CT, COVINGTON, KY 41015-1039
Document Number	0005900250
Book / Page	139 / 899
Map Reference	PL 490
Instrument Date	Dec 27, 2021
Instrument	22010305900250
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1932 PEARL ST, COVINGTON, KY 41014-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LORRAINE CT, COVINGTON, KY 41015-1039

Mortgage

Document Number	0005900251
Date	Jan 3, 2022
Instrument	22010305900251

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Mortgage

Document Number	0005900252
Date	Jan 3, 2022
Book Page	320/596
Instrument	22010305900252

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2032

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 LORRAINE CT, COVINGTON, KY 41015-1039
Document Number	0000000094
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 LORRAINE CT COVINGTON KY 410151039, COVINGTON, KY 41015-1039

Mortgage

Document Number	0000000094
Date	Oct 8, 2018
Book Page	0C6518/000274
Instrument	94

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 7, 2023

Interest

Rate Type	Adjustable Rate
Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 39 Loraine Ct was $1,427.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Kenton Vale City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$144,000 (-) Land $20,000 Building $124,000	$144,000 (-) Land $20,000 Building $124,000
2025	$1,427.00	$144,000 Land $20,000 Building $124,000	$144,000 Land $20,000 Building $124,000
2023	$1,535.00	$144,000 Land $15,000 Building $129,000	$144,000 Land $15,000 Building $129,000

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

Flood

FEMA maps place 39 Loraine Ct 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 39 Loraine Ct 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 96% of the US · lower than 96% 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 66 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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