472 Hilltop Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 472 Hilltop Rd, Covington, KY 41015 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 966 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$98,000 (Jan 2011)
Tax Bill	$1,724 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`059-40-00-262.00`

Property Details

APN / Parcel Number

Primary APN	`059-40-00-262.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	966 sqft Finished Area
Gross Area	1,127 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	472 HILLTOP RD
City	COVINGTON
State	KY
Zip	41015-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATONIA LAKES LOTS 1002 THRU 1005
Legal Subdivision	LATONIA LAKES
Legal Phase	5
Legal Lot Number	1002
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1009
Census Tract	65800

Owner

Source: Kenton County records · APN 059-40-00-262.00

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	Individual Name on File
Mailing Address	472 HILLTOP RD, COVINGTON, KY 41015-2329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2011 · Amount on Record
Deed Sale	Jan 31, 2011 · Amount on Record
Prior Sale	Jan 07, 2009 · Amount on Record
Deed Document Number	201101 31 059 00006
Deed Book / Page	2824 / 91
Last Transfer Date	Feb 18, 2025
Transfer Doc	0000000019
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	472 HILLTOP RD, COVINGTON, KY 41015-2329
Document Number	0000000128
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 HILLTOP RD COVINGTON KY 410152329, COVINGTON, KY 41015-2329

Mortgage

Document Number	0000000128
Date	Jul 07, 2020
Book Page	000M66/000585
Instrument	128

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 06, 2035

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County 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	$1,724.00 (+0.76%)	$125,300 (+14.12%) Land $15,000 Building $110,300	$125,300 (+14.12%) Land $15,000 Building $110,300
2023	$1,711.00	$109,800 Land $5,000 Building $104,800	$109,800 Land $5,000 Building $104,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.