57 W 28th St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 57 W 28th St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1953
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Oct 2022)
Tax Bill	$1,821 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-24-05-002.00`

Property Details

APN / Parcel Number

Primary APN	`055-24-05-002.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Finished Area
Gross Area	863 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	57 W 28TH ST
City	COVINGTON
State	KY
Zip	41015-1175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 99-100 50'X 80' SS 28TH 100' E ROGERS
Legal Subdivision	ROGERS M
Legal Lot Number	99,100
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	61400

Owner

57 W 28th St is owned and occupied by an individual who bought it in October 2022.

Source: Kenton County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	57 W 28TH ST, COVINGTON, KY 41015-1175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed, Transfer · Conventional Mortgage CINFED CU
Oct 5, 2021	Warranty Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Prior Sale	Oct 5, 2021 · Amount on File
Deed Document Number	2022172
Deed Book / Page	196 / 493
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Oct 24, 2022
Property Address	57 W 28TH ST, COVINGTON, KY 41015-1175
Document Number	0005900172
Book / Page	KC 196 / 493
Map Reference	PL 292
Instrument Date	Sep 30, 2022
Instrument	22102405900172
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	9335 W COMMERCIAL BLVD # BLVD202, 9335, SUNRISE, FL 33351-4348

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	57 W 28TH ST, COVINGTON, KY 41015-1175

Mortgage

Document Number	0005900173
Date	Oct 24, 2022
Instrument	22102405900173

Lender

Name	CINFED CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	10.6%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 5, 2021
Property Address	57 W 28TH ST, COVINGTON, KY 41015-1175
Document Number	0005900094
Book / Page	121 / 774
Map Reference	PL 292
Instrument Date	Sep 29, 2021
Instrument	21100505900094
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	763 PEACH TREE LN, 763, ERLANGER, KY 41018-1141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 W 28TH ST, COVINGTON, KY 41015-1175

Mortgage

Document Number	0005900095
Date	Oct 5, 2021
Book Page	280/928
Instrument	21100505900095

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 57 W 28th St was $1,821.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,500 (-) Land $10,000 Building $127,500	$137,500 (-) Land $10,000 Building $127,500
2025	$1,821.00	$137,500 Land $5,000 Building $132,500	$137,500 Land $5,000 Building $132,500
2023	$1,831.00	$137,500 Land $5,000 Building $132,500	$137,500 Land $5,000 Building $132,500

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

Flood

FEMA maps place 57 W 28th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 57 W 28th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 663 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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