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

Kenton County property record for 539 E Southern Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,246 sqft · built 1930
Lot Size0.506 acres (22,082 sqft)
Owner2 Individual Names on File
Last Sale$175,000 (Jun 2019)
Tax Bill$2,897 (2025)
Deeds & MortgagesApr 2020 Mortgage
Jun 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN056-34-01-021.00

Property Details

APN / Parcel Number

Primary APN056-34-01-021.00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,246 sqft Finished Area
Gross Area2,426 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area22,082 sqft (0.506 acres)
Lot Dimensions265 ft deep x 83.3 ft wide
Garage TypeDetached
Garage Area180 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address539 E SOUTHERN AVE
CityCOVINGTON
StateKY
Zip41015-1531
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDINMORE PARK E 33 1,3' LOT 120 ALL 121 83.33'X 265' IRREG SS SOUTHERN AVE
Legal SubdivisionDINMORE PARK-LATONIA
Legal Lot Number121,120
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1004
Census Tract61200

Owner

Source: Kenton County records · APN 056-34-01-021.00

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 Address539 E SOUTHERN AVE, COVINGTON, KY 41015-1531
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2020Deed of Trust, Mortgage
GATEWAY MTG GRP
Jun 12, 2019Warranty Deed, Transfer · Conventional Mortgage
GUARDIAN SVGS BK
Jan 02, 2018Quit Claim Deed, Mortgage · Conventional Mortgage
PNC MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 12, 2019 · Amount on Record
Deed SaleJun 12, 2019 · Amount on Record
Prior SaleSep 10, 2012 · Amount on Record
Deed Document Number201906 12 059 00163
Deed Book / Page6680 / 81
Prior Transfer DateDec 01, 2017
Prior Transfer Doc0005900010
Record UpdatedJun 08, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address539 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Document Number0000000173
Instrument DateApr 13, 2020
Transaction TypeMortgage
Record UpdatedJun 15, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address539 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531

Mortgage

Document Number0000000173
DateApr 21, 2020
Book Page000034/000511
Instrument173
Lender
NameGATEWAY MTG GRP
AddressJENKS, OK 74037
Agreement
AmountAmount Recorded
Term360 Months
DueApr 20, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 12, 2019
Property Address539 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Document Number0000000163
Book / Page0C6680 / 000081
Instrument DateJun 07, 2019
Instrument163
Transaction TypeTransfer
Record UpdatedJun 27, 2019
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$175.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address539 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531

Mortgage

Document Number164
DateJun 12, 2019
Book Page0C6680/000084
Instrument164
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 11, 2049
Interest
Rate TypeAdjustable Rate
Rate4%

January 2018: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJan 02, 2018
Property Address539 E SOUTHERN AVE, COVINGTON, KY 41015-1531
Document Number0000000010
Book / Page0C6325 / 000018
Instrument DateDec 01, 2017
Instrument10
Transaction TypeMortgage
Record UpdatedAug 30, 2018
Title CompanyNATIONALLINK

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address539 E SOUTHERN AVE COVINGTON KY 410151531, COVINGTON, KY 41015-1531

Mortgage

Document Number11
DateJan 02, 2018
Book Page0C6325/000022
Instrument11
Lender
NamePNC MTG
TypeMortgage Company
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJan 01, 2033

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$2,897.00 (-0.55%)$218,700 (-) Land $10,000 Building $208,700$218,700 (-) Land $10,000 Building $208,700
2023$2,913.00$218,700 Land $10,000 Building $208,700$218,700 Land $10,000 Building $208,700

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 HazardModerate
500-Year FloodplainYes
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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