Kenton County property record for 46 W 28th St, Covington, KY 41015 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 749 sqft · built 1925 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jun 2024) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Jun 2024 Sale Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-24-07-019.00 |
| Primary APN | 055-24-07-019.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 749 sqft Finished Area |
| Gross Area | 882 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 80 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 46 W 28TH ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROGERS LOT 92 |
| Legal Subdivision | ROGERS M |
| Legal Lot Number | 92 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 61400 |
Source: Kenton County records · APN 055-24-07-019.00
Assessment roll updated December 2, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 20, 2024 | Correction Deed |
| Mar 26, 2024 | Deed, Transfer · FHA Mortgage HEARTLAND BANK |
| Nov 01, 2022 | Deed, Transfer KENTUCKY LAND TITLE AGENCY |
| Jan 17, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 20, 2024 · Amount on Record |
| Deed Sale | Jun 20, 2024 · Amount on Record |
| Prior Sale | Mar 26, 2024 · Amount on Record |
| Deed Document Number | 2024125 |
| Deed Book / Page | 290 / 784 |
| Prior Transfer Date | Jun 19, 2024 |
| Prior Transfer Doc | 0005900125 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 20, 2024 |
| Property Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Number | 0005900125 |
| Book / Page | KC 290 / 784 |
| Map Reference | MB 1 PG 640 |
| Instrument Date | Jun 19, 2024 |
| Instrument | 24062005900125 |
| Record Updated | Nov 28, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 14 WOODLAND HILLS DR STE 1, 1, SOUTHGATE, KY 41071-2994 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 26, 2024 |
| Property Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Number | 0005900052 |
| Book / Page | KC 276 / 309 |
| Map Reference | MB 1 PG 640 |
| Instrument Date | Mar 25, 2024 |
| Instrument | 24032605900052 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 WOODLAND HILLS DR STE 1, 1, SOUTHGATE, KY 41071-2994 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Number | 0005900053 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | KCM 535/422 |
| Instrument | 24032605900053 |
| Name | HEARTLAND BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43213 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 01, 2022 |
| Property Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Number | 0005900180 |
| Book / Page | 198 / 370 |
| Map Reference | MB 1 PG 640 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 22110105900180 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 688 SYCAMORE DR, 688, INDEPENDENCE, KY 41051-9395 |
| Name | Verified Name |
|---|---|
| Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 W 28TH ST, COVINGTON, KY 41015-1101 |
| Document Number | 0000000126 |
| Instrument Date | Jan 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 W 28TH ST COVINGTON KY 410151101, COVINGTON, KY 41015-1101 |
| Document Number | 0000000126 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 0C6589/000059 |
| Instrument | 126 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $1,921.00 (+83.83%) | $145,000 (+16.09%) Land $5,000 Building $140,000 | $145,000 (+16.09%) Land $5,000 Building $140,000 |
| 2023 | $1,045.00 Disabled Person's exemption | $124,900 Land $5,000 Building $119,900 | $124,900 Land $5,000 Building $119,900 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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