Kenton County property record for 522 E Southern Ave, Covington, KY 41015 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,852 sqft · built 1909 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,601 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-34-01-015.00 |
| Primary APN | 056-34-01-015.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,852 sqft Finished Area |
| Gross Area | 2,249 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 12,500 sqft (0.287 acres) |
| Lot Dimensions | 250 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 221 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 522 E SOUTHERN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DINMORE PARK LOTS 89-89A 50'X 250' NS SOUTHERN AVE E |
| Legal Subdivision | DINMORE PARK-LATONIA |
| Legal Lot Number | 89A,89 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-34-01-015.00
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 | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 11, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jul 06, 2018 | Quit Claim Deed, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Jul 06, 2018 | Affidavit of Death, Transfer 360 AMERICAN TITLE SERVICES |
| Jan 31, 2017 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK/COLUMBUS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jun 28, 2018 |
| Transfer Doc | 0005900070 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900018 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 313/203 |
| Instrument | 21121005900018 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Document Number | 0005900089 |
|---|---|
| Date | Oct 11, 2022 |
| Book Page | 413/943 |
| Instrument | 22101105900089 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 06, 2018 |
| Property Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Document Number | 0000000070 |
| Book / Page | 0C6447 / 000205 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 70 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 522 E SOUTHERN AVE COVINGTON KY 410151532, COVINGTON, KY 41015-1532 |
| Document Number | 74 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 0C6447/000209 |
| Instrument | 74 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 05, 2033 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 06, 2018 |
| Property Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Document Number | 0000000069 |
| Book / Page | 0C6447 / 000194 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 69 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3709 GLENN AVE COVINGTON KY 410151614, COVINGTON, KY 41015-1614 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 522 E SOUTHERN AVE, COVINGTON, KY 41015-1532 |
| Document Number | 0000000162 |
| Book / Page | 0C6094 / 000062 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 522 E SOUTHERN AVE COVINGTON KY 410151532, COVINGTON, KY 41015-1532 |
| Document Number | 0000000162 |
|---|---|
| Date | Feb 09, 2017 |
| Book Page | 0C6094/000062 |
| Instrument | 162 |
| Name | HUNTINGTON NAT'L BK/COLUMBUS |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 08, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,601.00 (-2.73%) Homeowner's exemption | $170,000 (-) Land $10,000 Building $160,000 | $170,000 (-) Land $10,000 Building $160,000 |
| 2023 | $1,646.00 Homeowner's exemption | $170,000 Land $10,000 Building $160,000 | $170,000 Land $10,000 Building $160,000 |
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 | Low above 6% of the US · above 6% of Kentucky |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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 125 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 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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