43 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 43 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,232 sqft · built 1911
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$163,400 (Apr 2024)
Tax Bill	$2,165 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-24-09-003.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-09-003.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,232 sqft Finished Area
Gross Area	1,376 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	43 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS LOTS 106-143
Legal Subdivision	ROGERS M
Legal Lot Number	106-143
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61400

Owner

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	Individual Name on Record
Mailing Address	43 W 28TH ST, COVINGTON, KY 41015-1179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Prior Sale	Apr 9, 2010 · Amount on Record
Deed Document Number	202421
Deed Book / Page	281 / 31
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	43 W 28TH ST, COVINGTON, KY 41015-1179
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 COACHTRAIL DR, HEBRON, KY 41048-9774

Mortgage

Document Number	0005900022
Date	Apr 25, 2024
Book Page	KCM543/523
Instrument	24042505900022

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

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		$163,400 (-) Land $10,000 Building $153,400	$163,400 (-) Land $10,000 Building $153,400
2025	$2,165.00 (+71.15%)	$163,400 (+72%) Land $5,000 Building $158,400	$163,400 (+72%) Land $5,000 Building $158,400
2023	$1,265.00	$95,000 Land $5,000 Building $90,000	$95,000 Land $5,000 Building $90,000

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	Low lower than 98% of the US · lower than 98.2% 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 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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