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

Kenton County property record for 538 E Southern Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,241 sqft · built 1926
Lot Size0.148 acres (6,480 sqft)
Owner2 Individual Names on File
Last Sale$100,500 (Dec 2002)
Tax Bill$1,930 (2025)
Deeds & MortgagesDec 2025 Mortgage
Mar 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN056-34-01-020.00

Property Details

APN / Parcel Number

Primary APN056-34-01-020.00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths2 Half Baths
Stories1 Story
Building Area1,241 sqft Finished Area
Gross Area1,684 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1926
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area6,480 sqft (0.148 acres)
Lot Dimensions108 ft deep x 60 ft wide
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address538 E SOUTHERN AVE
CityCOVINGTON
StateKY
Zip41015-1532
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description60X108 IRREG NS SOUTHERN 529FT E MYRTLE
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1001
Census Tract61200

Owner

Source: Kenton County records · APN 056-34-01-020.00

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 Record2 Individual Names on File
Mailing Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 29, 2025Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 18, 2022Intrafamily Transfer, Transfer · FHA Mortgage
AMERICAN FINANCIAL NETWORK INC
Nov 22, 2017Deed of Trust, Mortgage · FHA Mortgage
PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 10, 2002 · Amount on Record
Deed SaleDec 10, 2002 · Amount on Record
Prior SaleJul 31, 2002 · Amount on Record
Last Transfer DateJan 15, 2022
Transfer Doc0005900048
Record UpdatedJun 08, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532
Transaction TypeMortgage
Record UpdatedJan 14, 2026
Title CompanyUNKNOWN, AHTA

Transferred To (Grantee/Buyer)

NameVerified Name
Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532

Mortgage

Document Number0005900058
DateDec 29, 2025
Book PageKCM 721/186
Instrument25122905900058
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056

March 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateMar 18, 2022
Property Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532
Document Number0005900048
Book / Page154 / 118
Instrument DateJan 15, 2022
Instrument22031805900048
Transaction TypeTransfer
Record UpdatedJan 05, 2024
Title CompanyAMERICAN HOMELAND TITLE AGCY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532

Mortgage

Document Number0005900049
DateMar 18, 2022
Book Page349/676
Instrument22031805900049
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressORANGE, CA 92868
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 01, 2052

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address538 E SOUTHERN AVE, COVINGTON, KY 41015-1532
Document Number0000000020
Instrument DateNov 22, 2017
Transaction TypeMortgage
Record UpdatedJan 11, 2019
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address538 E SOUTHERN AVE COVINGTON KY 410151532, COVINGTON, KY 41015-1532

Mortgage

Document Number0000000020
DateNov 29, 2017
Book Page0C6303/000175
Instrument20
Lender
NamePACIFIC UNION FIN'L
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 28, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 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$1,930.00 (-0.52%)$145,700 (-) Land $10,000 Building $135,700$145,700 (-) Land $10,000 Building $135,700
2023$1,940.00$145,700 Land $10,000 Building $135,700$145,700 Land $10,000 Building $135,700

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 RiskLow
above 6% of the US · above 6% of Kentucky
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
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.

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 125 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

Availability varies by address; speeds are provider-advertised maximums, not measured.

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