5868 Owings Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 5868 Owings Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,427 sqft · built 1999
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Nov 2022)
Tax Bill	$2,535 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`059-30-10-023.00`

Property Details

APN / Parcel Number

Primary APN	`059-30-10-023.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,427 sqft Finished Area
Gross Area	2,847 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5868 OWINGS CT
City	COVINGTON
State	KY
Zip	41015-4229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRANDTLY RIDGE SEC 1 LOT 23
Legal Subdivision	BRANDTLY RIDGE SUBD
Legal Phase	1
Legal Lot Number	23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4010
Census Tract	65300

Owner

5868 Owings Ct is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	5868 OWINGS CT, COVINGTON, KY 41015-4229
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 20, 2020	Warranty Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Jan 5, 2000 · Amount on File
Deed Document Number	202265
Deed Book / Page	202 / 108
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 23, 2022
Property Address	5868 OWINGS CT, COVINGTON, KY 41015-4229
Document Number	0005900065
Book / Page	202 / 108
Map Reference	SL A-272
Instrument Date	Nov 21, 2022
Instrument	22112305900065
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

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	220 BISHOP ST, CORBIN, KY 40701-1756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5868 OWINGS CT, COVINGTON, KY 41015-4229

Mortgage

Document Number	0005900066
Date	Nov 23, 2022
Instrument	22112305900066

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 20, 2020
Property Address	5868 OWINGS CT, COVINGTON, KY 41015-4229
Document Number	0000000156
Book / Page	000056 / 000866
Instrument Date	Nov 19, 2020
Instrument	156
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5868 OWINGS CT COVINGTON KY 410154229, COVINGTON, KY 41015-4229

Mortgage

Document Number	157
Date	Nov 20, 2020
Book Page	00M129/000942
Instrument	157

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5868 Owings Ct was $2,535 with a homeowner's exemption.

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$341,000 (+11.8%) Land $45,000 Building $296,000	$341,000 (+11.8%) Land $45,000 Building $296,000
2025	$2,535.00 Homeowner's exemption	$305,000 Land $35,000 Building $270,000	$305,000 Land $35,000 Building $270,000
2023	$3,251.00	$305,000 Land $35,000 Building $270,000	$305,000 Land $35,000 Building $270,000

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

Flood

FEMA maps place 5868 Owings Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 5868 Owings Ct is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 161 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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