408 Earle Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 408 Earle Ave, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$95,500 (Nov 2019)
Tax Bill	$1,580 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-34-03-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-03-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	992 sqft Finished Area
Gross Area	1,062 sqft

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,750 sqft
Lot Dimensions	125 ft deep x 30 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0563403007.00
Street Address	408 EARLE AVE
City	COVINGTON
State	KY
Zip	41015-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK PT LOTS 131 THRU 135 30'X 125' IRREG NS EARLE 105' W TRACY
Legal Subdivision	SOUTH DINMORE PARK
Legal Phase	35
Legal Lot Number	131
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	61200

Owner

Source: Kenton County records · APN 056-34-03-007.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	408 EARLE AVE, COVINGTON, KY 41015-1609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
May 28, 2019	Grant Deed, Construction Loan · Construction Mortgage MM LNDG LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	0006809340
Deed Book / Page	6809 / 340
Record Updated	Jun 08, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 25, 2019
Property Address	408 EARLE AVE, COVINGTON, KY 41015-1609
Document Number	0000000087
Book / Page	006809 / 000340
Instrument Date	Nov 20, 2019
Instrument	87
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$95.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EARLE AVE COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number	88
Date	Nov 25, 2019
Book Page	0C6809/000343
Instrument	88

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	408 EARLE AVE, COVINGTON, KY 41015-1609
Document Number	0000000212
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 EARLE AVE COVINGTON KY 410151609, COVINGTON, KY 41015-1609

Mortgage

Document Number	0000000212
Date	Dec 30, 2019
Book Page	0C6843/000086
Instrument	212

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	20 W PIKE ST, COVINGTON, KY 41011-2711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 29, 2024

May 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 28, 2019
Property Address	408 EARLE AVE, COVINGTON, KY 41015-1609
Document Number	0000000073
Book / Page	0C6667 / 000118
Instrument Date	May 22, 2019
Instrument	73
Transaction Type	Construction Loan
Record Updated	Jun 12, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6002 ETHAN DR BURLINGTON KY 410056530, BURLINGTON, KY 41005-6530

Mortgage

Document Number	74
Date	May 28, 2019
Book Page	0C6667/000121
Instrument	74

Lender

Name	MM LNDG LLC
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 27, 2020

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,580.00 (-0.57%)	$119,300 (-) Land $10,000 Building $109,300	$119,300 (-) Land $10,000 Building $109,300
2023	$1,589.00	$119,300 Land $10,000 Building $109,300	$119,300 Land $10,000 Building $109,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm	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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 125 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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