514 Cedar Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 514 Cedar Rd, Covington, KY 41015 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1935
Square Footage	589 sqft Finished Area
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$152,346 (2026)
Tax Bill	$2,023.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`059-40-00-088.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	589 sqft Finished Area
Gross Area	773 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl Exterior
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.14 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Street Address	514 CEDAR RD
City	COVINGTON
State	KY
Zip	41015-2406
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LATONIA LAKES LOTS 201-202-203
Legal Subdivision	LATONIA LAKES
Legal Lot Number	201-203
Jurisdiction	KENTON KY
Minor Civil Division	INDEPENDENCE
Census Blockgroup	1
Census Block	1005
Census Tract	65800

Owner

Source: Kenton County records · APN 059-40-00-088.00

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	514 CEDAR RD, COVINGTON, KY 41015-2406
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage PAJ FUND I LLC
Jun 04, 2026	Warranty Deed, Transfer · Conventional Mortgage U S BANK N A
Jul 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage PAJ FUND I LLC
Jul 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage PAJ FUND I LLC
Jan 31, 2022	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CALIBER HOME LOANS INC
Jul 20, 2021	Warranty Deed, Transfer · Commercial Mortgage PAJ FUND I LLC
Sep 14, 2020	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Sep 14, 2020	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2026 · Amount on Record
Deed Sale	Jun 04, 2026 · Amount on Record
Prior Sale	Jan 31, 2022 · Amount on Record
Deed Doc Number	202611640
Deed Book / Page	441 / 723
Record Refreshed	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15162, COVINGTON, KY 41015-0162
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900314
Date	Jul 20, 2021
Book Page	105/38
Instrument	21072005900314

Lender

Name	PAJ FUND I LLC
Type	Non-Lending Institution
Address	PHOENIX, AZ 85028

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 12, 2022

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 04, 2026
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Document Number	0000011640
Book / Page	441 / 723
Instrument Date	May 31, 2026
Instrument	202611640
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$15,387.35
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 CEDAR RD, COVINGTON, KY 41015-2406

Mortgage

Document Number	0000011641,
Date	Jun 04, 2026
Instrument	2026060411641

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15162, COVINGTON, KY 41015-0162

Mortgage

Document Number	0005900314
Date	Jul 20, 2021
Book Page	105/38
Instrument	21072005900314

Lender

Name	PAJ FUND I LLC
Type	Non-Lending Institution
Address	PHOENIX, AZ 85028

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 12, 2022

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15162, COVINGTON, KY 41015-0162

Mortgage

Document Number	0005900313
Date	Jul 20, 2021
Book Page	105/29
Instrument	21072005900313

Lender

Name	PAJ FUND I LLC
Type	Non-Lending Institution
Address	PHOENIX, AZ 85028

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 12, 2022

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 31, 2022
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Document Number	0005900042
Book / Page	145 / 547
Map Reference	MB 3 PG 28&29
Instrument Date	Dec 09, 2021
Instrument	22013105900042
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15162, COVINGTON, KY 41015-0162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 CEDAR RD, COVINGTON, KY 41015-2406

Mortgage

Document Number	0005900043
Date	Jan 31, 2022
Instrument	22013105900043

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

Mortgage

Document Number	0005900044
Date	Jan 31, 2022
Book Page	332/303
Instrument	22013105900044

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 01, 2032

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2021
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Document Number	0005900311
Book / Page	105 / 26
Map Reference	MB 3 PG 28&29
Instrument Date	Jul 12, 2021
Instrument	21072005900311
Transaction Type	Transfer
Record Updated	Jul 24, 2024
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2718 ZIU DIANA AV, COVINGTON, KY 41015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15162, COVINGTON, KY 41015-0162

Mortgage

Document Number	0005900313
Date	Jul 20, 2021
Instrument	21072005900313

Lender

Name	PAJ FUND I LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jan 12, 2022

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2020
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Document Number	0000000135
Book / Page	000043 / 000257
Instrument Date	Sep 08, 2020
Instrument	135
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$17.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2718 INDIANA AVE COVINGTON KY 410151027, COVINGTON, KY 41015-1027

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2020
Property Address	514 CEDAR RD, COVINGTON, KY 41015-2406
Document Number	0000000134
Book / Page	000043 / 000254
Instrument Date	Sep 08, 2020
Instrument	134
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$10.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15162 COVINGTON KY 410150162, COVINGTON, KY 41015-0162

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	$2,023.00 (-11.7%)	$147,000 (-) Land $15,000 Building $132,000	$147,000 (-) Land $15,000 Building $132,000
2023	$2,291.00	$147,000 Land $5,000 Building $142,000	$147,000 Land $5,000 Building $142,000

514 Cedar Rd, Covington (Latonia), KY 41015 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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