Kenton County property record for 492 Hemlock Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,056 sqft · built 1979 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Jun 2025) |
| Tax Bill | $894 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-40-00-046.00 |
| Primary APN | 059-40-00-046.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Finished Area |
| Gross Area | 1,136 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 492 HEMLOCK RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LATONIA LAKES LOTS 684-685 & LOTS 686-687 |
| Legal Subdivision | LATONIA LAKES |
| Legal Lot Number | 684-6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 65800 |
Source: Kenton County records, as of June 29, 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 | 492 HEMLOCK RD, COVINGTON, KY 41015-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2025 · Amount on Record |
| Deed Sale | Jun 9, 2025 · Amount on Record |
| Prior Sale | Sep 30, 2024 · Amount on Record |
| Deed Document Number | 202536 |
| Deed Book / Page | 345 / 736 |
| Prior Transfer Date | Aug 11, 2015 |
| Prior Transfer Doc | 0000000185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 2, 2026 |
| Property Address | 492 HEMLOCK RD, COVINGTON, KY 41015-2327 |
| Document Number | 0000011406 |
| Book / Page | 440 / 346 |
| Instrument Date | May 20, 2026 |
| Instrument | 202611406 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 492 HEMLOCK RD, COVINGTON, KY 41015-2327 |
| Document Number | 0000011406, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 440/346 |
| Instrument | 202611406 |
| Name | NEST HOME LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $894.00 (+11.06%) | $65,000 (+25.73%) Land $15,000 Building $50,000 | $65,000 (+25.73%) Land $15,000 Building $50,000 |
| 2023 | $805.00 | $51,700 Land $5,000 Building $46,700 | $51,700 Land $5,000 Building $46,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 157 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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