496 Irving Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 496 Irving Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,200 sqft · built 2009
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Owner Names on Record
Last Sale	$80,000 (Dec 2009)
Tax Bill	$1,300 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`059-40-00-032.02`

Property Details

APN / Parcel Number

Primary APN	`059-40-00-032.02`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0594000032.02
Street Address	496 IRVING RD
City	COVINGTON
State	KY
Zip	41015-2334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATONIA LAKES LOTS 632 THRU 635
Legal Subdivision	LATONIA LAKES
Legal Lot Number	632-6 633
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records, as of November 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	496 IRVING RD, COVINGTON, KY 41015-2334
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2009 · Amount on Record
Deed Sale	Dec 23, 2009 · Amount on Record
Prior Sale	Nov 21, 2007 · Amount on Record
Deed Document Number	0002617349
Deed Book / Page	2617 / 349
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	496 IRVING RD, COVINGTON, KY 41015-2334
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 IRVING RD, COVINGTON, KY 41015-2334

Mortgage

Document Number	0005900019
Date	Jun 13, 2022
Book Page	378/899
Instrument	22061305900019

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,300.00 (-9.28%)	$94,500 (+2.72%) Land $15,000 Building $79,500	$94,500 (+2.72%) Land $15,000 Building $79,500
2023	$1,433.00	$92,000 Land $5,000 Building $87,000	$92,000 Land $5,000 Building $87,000

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 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.

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 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