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515 E Southern Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 515 E Southern Ave, Covington, KY 41015 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,008 sqft · built 1909
Lot Size0.215 acres (9,365 sqft)
Owner2 Company Names on File
Last Sale$144,000 (Nov 2016)
Tax Bill$2,573 (2025)
Deeds & MortgagesMar 2026 Transfer
May 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN056-32-27-001.00

Property Details

APN / Parcel Number

Primary APN056-32-27-001.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area2,008 sqft Finished Area
Gross Area2,355 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1909
Effective Year BuiltEffective 1909
Exterior MaterialWood Siding
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.215 acres)
Lot Dimensions187 ft deep x 50 ft wide
Garage Area170 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address515 E SOUTHERN AVE
CityCOVINGTON
StateKY
Zip41015-1531
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDINMORE PARK S PT LOT 110 & N PT LOT 111 50'X 187.33' SS SOUTHERN
Legal SubdivisionDINMORE PARK-LATONIA
Legal Lot Number110,11
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1004
Census Tract61200

Owner

Source: Kenton County records · APN 056-32-27-001.00

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 Record2 Company Names on File
Mailing Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2026Intrafamily Transfer, Transfer
May 24, 2021Deed of Trust, Mortgage
GUARDIAN SAVINGS BANK
Sep 12, 2019Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BK/NTHRN KY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2016 · Amount on Record
Deed SaleNov 03, 2016 · Amount on Record
Prior SaleNov 29, 2004 · Amount on Record
Deed Document Number201611 03 059 00203
Deed Book / Page6024 / 106
Last Transfer DateMar 26, 2026
Transfer Doc0000006540
Record UpdatedSep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateMar 31, 2026
Property Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Document Number0000006540
Book / Page409 / 130
Instrument DateMar 26, 2026
Instrument26059000006540
Transaction TypeTransfer
Record UpdatedApr 23, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Transaction TypeMortgage
Record UpdatedJan 05, 2024
Title CompanyPROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900078
DateMay 24, 2021
Book Page218/741
Instrument21052405900078
Lender
NameGUARDIAN SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45239
Agreement
AmountAmount Recorded
Term241 Months
DueJun 01, 2041

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address515 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Document Number0000000315
Instrument DateSep 12, 2019
Transaction TypeMortgage
Record UpdatedDec 11, 2019
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address515 ESOUTHERN AVE COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number0000000315
DateNov 18, 2019
Book Page0C6804/000161
Instrument315
Lender
NameFIFTH THIRD BK/NTHRN KY
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 17, 2049
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,573.00 (-0.5%)$194,200 (-) Land $10,000 Building $184,200$194,200 (-) Land $10,000 Building $184,200
2023$2,586.00$194,200 Land $10,000 Building $184,200$194,200 Land $10,000 Building $184,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims22 (1993–2025)
Claims Outside the SFHA4 of 22
Most Recent ClaimApr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims
  • Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 3 claims
  • Severe Storm, Flooding, And Tornadoes, Mar 1997 · 13 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Ritte's East Historic District
listed 2014 · 628 contributing resources · NRIS 14000459

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 756 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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