Kenton County property record for 409 Auburn St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1919 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $227,000 (Feb 2026) |
| Tax Bill | $1,922 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-11-07-028.00 |
| Primary APN | 056-11-07-028.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,378 sqft Finished Area |
| Gross Area | 2,237 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 120 ft deep x 35 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 409 AUBURN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILLDALE LAND CO LOT 152 |
| Legal Subdivision | MILLDALE LAND CO |
| Legal Lot Number | 152 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 61400 |
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 | 409 AUBURN ST, COVINGTON, KY 41015-1018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Feb 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Feb 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 12, 2025 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2026 · Amount on Record |
| Deed Sale | Feb 4, 2026 · Amount on Record |
| Prior Sale | Aug 12, 2025 · Amount on Record |
| Deed Document Number | 202602042167 |
| Deed Book / Page | 388 / 173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 AUBURN ST, COVINGTON, KY 41015-1018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 847 CENTRAL AVE 2, 2, NEWPORT, KY 41071-1369 |
| Document Number | 0000002168 |
|---|---|
| Date | Feb 4, 2026 |
| Book Page | 730/621 |
| Instrument | 26059000002168 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 4, 2026 |
| Property Address | 409 AUBURN ST, COVINGTON, KY 41015-1018 |
| Document Number | 0000002167 |
| Book / Page | 388 / 173 |
| Map Reference | MB NO PG 641 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 26059000002167 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $227.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10302 CHERRY LN, FLORENCE, KY 41042-3169 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 AUBURN ST, COVINGTON, KY 41015-1018 |
| Document Number | 0000002168 |
|---|---|
| Date | Feb 4, 2026 |
| Instrument | 26059000002168 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 12, 2025 |
| Property Address | 409 AUBURN ST, COVINGTON, KY 41015-1018 |
| Document Number | 0005900105 |
| Book / Page | KC 357 / 420 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 25081205900105 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 28, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5972 GREENVIEW RD # RDF1, RDF1, FLORENCE, KY 41042-1239 |
| Name | Verified Name |
|---|---|
| Address | 10302 CHERRY LN, FLORENCE, KY 41042-3169 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900106 |
|---|---|
| Date | Aug 12, 2025 |
| Instrument | 25081205900106 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $147,500 (+1.65%) Land $10,000 Building $137,500 | $147,500 (+1.65%) Land $10,000 Building $137,500 | |
| 2025 | $1,922.00 (-0.52%) | $145,100 (-) Land $5,000 Building $140,100 | $145,100 (-) Land $5,000 Building $140,100 |
| 2023 | $1,932.00 | $145,100 Land $5,000 Building $140,100 | $145,100 Land $5,000 Building $140,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 691 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 |
| AT&T Fixed Wireless | 100 / 20 |
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