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

Kenton County property record for 39 W 31st St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 924 sqft · built 1926
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jun 2020)
Tax Bill	$1,576 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-004.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-004.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Finished Area
Gross Area	1,056 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 W 31ST ST
City	COVINGTON
State	KY
Zip	41015-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOT 238
Legal Subdivision	ROGERS M
Legal Lot Number	238
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	39 W 31ST ST, COVINGTON, KY 41015-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Grant Deed, Transfer · Conventional Mortgage FIFTH THIRD BK NA
Jun 23, 2020	Deed of Trust, Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Prior Sale	Jun 29, 2009 · Amount on Record
Deed Document Number	20205900143
Deed Book / Page	28 / 391
Prior Transfer Date	Dec 22, 1997
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 25, 2020
Property Address	39 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000143
Book / Page	000028 / 000391
Instrument Date	Jun 23, 2020
Instrument	143
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	144
Date	Jun 25, 2020
Book Page	000M62/000447
Instrument	144

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000144
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	0000000144
Date	Jun 25, 2020
Book Page	000M62/000447
Instrument	144

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

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		$145,100 (+21.93%) Land $10,000 Building $135,100	$145,100 (+21.93%) Land $10,000 Building $135,100
2025	$1,576.00 (-0.57%)	$119,000 (-) Land $5,000 Building $114,000	$119,000 (-) Land $5,000 Building $114,000
2023	$1,585.00	$119,000 Land $5,000 Building $114,000	$119,000 Land $5,000 Building $114,000

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

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

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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