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

Kenton County property record for 41 W 31st St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,264 sqft · built 1926
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Dec 2024)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-13-14-003.00`

Property Details

APN / Parcel Number

Primary APN	`056-13-14-003.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,264 sqft Finished Area
Gross Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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)
Lot Dimensions	100 ft deep x 33 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	41 W 31ST ST
City	COVINGTON
State	KY
Zip	41015-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOT 237
Legal Subdivision	ROGERS M
Legal Lot Number	237
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61400

Owner

41 W 31st St is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	41 W 31ST ST, COVINGTON, KY 41015-1216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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 3, 2023	Warranty Deed, Transfer · FHA Mortgage PEOPLES EXCHANGE BANK
Jun 20, 2017	Warranty Deed, Transfer · FHA Mortgage STOCKTON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Aug 3, 2023 · Amount on File
Deed Document Number	2024165
Deed Book / Page	319 / 167
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 3, 2023
Property Address	41 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0005900028
Book / Page	KC 239 / 678
Instrument Date	Jul 31, 2023
Instrument	23080305900028
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	206 MOUND ST, BETHEL, OH 45106-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 W 31ST ST, COVINGTON, KY 41015-1216

Mortgage

Document Number	0005900029
Date	Aug 3, 2023
Book Page	KCM 481/902
Instrument	23080305900029

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank
Address	WINCHESTER, KY 40392

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 20, 2017
Property Address	41 W 31ST ST, COVINGTON, KY 41015-1216
Document Number	0000000245
Book / Page	0C6185 / 000166
Instrument Date	Jun 16, 2017
Instrument	245
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 W 31ST ST COVINGTON KY 410151216, COVINGTON, KY 41015-1216

Mortgage

Document Number	246
Date	Jun 20, 2017
Book Page	0C6185/000168
Instrument	246

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 41 W 31st St was $2,648.

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		$199,900 (-) Land $10,000 Building $189,900	$199,900 (-) Land $10,000 Building $189,900
2025	$2,648.00	$199,900 Land $10,000 Building $189,900	$199,900 Land $10,000 Building $189,900
2023	$2,394.00 (+0.8%)	$179,800 (-) Land $10,000 Building $169,800	$179,800 (-) Land $10,000 Building $169,800
2022	$2,375.00	$179,800 Land $10,000 Building $169,800	$179,800 Land $10,000 Building $169,800

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

Flood

FEMA maps place 41 W 31st St in Zone X, an area of minimal flood risk.

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

The area around 41 W 31st St has no burnable land within ember reach, so its wildfire risk is not rated.

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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