Kenton County property record for 521 E Southern Ave, Covington, KY 41015 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 1909 |
| Lot Size | 0.341 acres (14,869 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Jul 2019) |
| Tax Bill | $1,656 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-34-01-026.00 |
| Primary APN | 056-34-01-026.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Finished Area |
| Gross Area | 2,311 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 14,869 sqft (0.341 acres) |
| Lot Dimensions | 297 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 521 E SOUTHERN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DINMORE PARK LOT 114 50'X 297.37' IRREG SS SOUTHERN AVE E |
| Legal Subdivision | DINMORE PARK-LATONIA |
| Legal Lot Number | 114 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-34-01-026.00
Assessment roll updated December 2, 2025 · Last verified April 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 | 521 E SOUTHERN AVE, COVINGTON, KY 41015-1531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Apr 08, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FIN'L RSRCS |
| Jul 30, 2019 | Warranty Deed, Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS |
| Jun 14, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on Record |
| Deed Sale | Jul 30, 2019 · Amount on Record |
| Prior Sale | Aug 01, 1994 · Amount on Record |
| Deed Document Number | 201907 30 059 00280 |
| Deed Book / Page | 6717 / 223 |
| Prior Transfer Date | May 30, 2019 |
| Prior Transfer Doc | 0005900181 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 521 E SOUTHERN AVE, COVINGTON, KY 41015-1531 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0005900220 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 313/372 |
| Instrument | 21121005900220 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 521 E SOUTHERN AVE, COVINGTON, KY 41015-1531 |
| Document Number | 0000000023 |
| Instrument Date | Apr 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 521 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531 |
| Document Number | 0000000023 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 000M33/000421 |
| Instrument | 23 |
| Name | AMERICAN FIN'L RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2019 |
| Property Address | 521 E SOUTHERN AVE, COVINGTON, KY 41015-1531 |
| Document Number | 0000000280 |
| Book / Page | 0C6717 / 000223 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 280 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531 |
| Document Number | 281 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 0C6717/000226 |
| Instrument | 281 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 14, 2019 |
| Property Address | 521 E SOUTHERN AVE, COVINGTON, KY 41015-1531 |
| Document Number | 0000000181 |
| Book / Page | 0C6681 / 000028 |
| Instrument Date | May 30, 2019 |
| Instrument | 181 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $1,656.00 (-0.54%) | $125,000 (-) Land $10,000 Building $115,000 | $125,000 (-) Land $10,000 Building $115,000 |
| 2023 | $1,665.00 (+0.85%) | $125,000 (-) Land $10,000 Building $115,000 | $125,000 (-) Land $10,000 Building $115,000 |
| 2022 | $1,651.00 | $125,000 Land $10,000 Building $115,000 | $125,000 Land $10,000 Building $115,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 12 individual NFIP policies nearby |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 22 (1993–2025) |
| Claims Outside the SFHA | 4 of 22 |
| Most Recent Claim | Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None 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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within 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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (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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