538 Rice Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 538 Rice Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1970
Lot Size	4.47 acres (194,713 sqft)
Owner	Company Name on Record
Last Sale	$340,000 (Aug 2022)
Tax Bill	$3,383 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-00-059.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-00-059.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Finished Area
Gross Area	1,912 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	194,713 sqft (4.47 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	538 RICE RD
City	LATONIA
State	KY
Zip	41015-2450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KLETTE ACRES REV 1 LOTS 9 THRU 12 4.47 ACS NS RICE RD
Legal Subdivision	KLETTE ACRES
Legal Phase	1
Legal Lot Number	9-12
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1022
Census Tract	65800

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	538 RICE RD, LATONIA, KY 41015-2450
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION SAVINGS BANK
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Oct 1, 2014 · Amount on Record
Deed Document Number	2022161
Deed Book / Page	182 / 697
Prior Transfer Date	Apr 14, 2014
Prior Transfer Doc	0000000190
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 10, 2022
Property Address	538 RICE RD, COVINGTON, KY 41015-2450
Document Number	0005900161
Book / Page	182 / 697
Map Reference	MB 9 PG 24
Instrument Date	Jul 29, 2022
Instrument	22081005900161
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 RICE RD, 538, COVINGTON, KY 41015-2450

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 RICE RD, COVINGTON, KY 41015-2450

Mortgage

Document Number	0005900227
Date	Aug 11, 2022
Book Page	397/323
Instrument	22081105900227

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	538 RICE RD, COVINGTON, KY 41015-2450
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900047
Date	Apr 1, 2021
Book Page	193/896
Instrument	21040105900047

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$340,000 (-) Land $45,000 Building $295,000	$340,000 (-) Land $45,000 Building $295,000
2025	$3,383.00 (-21.14%) Homeowner's exemption	$340,000 (-) Land $45,000 Building $295,000	$340,000 (-) Land $45,000 Building $295,000
2023	$4,290.00	$340,000 Land $45,000 Building $295,000	$340,000 Land $45,000 Building $295,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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