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  5. Locust Rd

6127 Locust Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 6127 Locust Rd, Covington, KY 41015

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,496 sqft · built 1935
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on File
Last Sale$57,500 (Sep 2026)
Tax Bill$1,562 (2025)
Deeds & MortgagesSep 2026 Sale
Jun 2020 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN059-40-00-107.00

Property Details

APN / Parcel Number

Primary APN059-40-00-107.00

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,496 sqft Finished Area
Gross Area1,880 sqft

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area4,356 sqft (0.1 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Street Address6127 LOCUST RD
CityCOVINGTON
StateKY
Zip41015-2421
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLATONIA LAKES LOTS 251-252 & 1/2 LOT 253
Legal SubdivisionLATONIA LAKES
Legal Phase3
Legal Lot Number252,25
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1018
Census Tract65800

Owner

6127 Locust Rd is owned and occupied by an individual who bought it in September 2026.

Source: Kenton County records, as of September 30, 2026

Owner of RecordIndividual Name on File
Mailing Address6127 LOCUST RD, COVINGTON, KY 41015-2421
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 9, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jun 12, 2020Deed of Trust, Mortgage
CALIBER HM LOANS
Oct 1, 2019Deed of Trust, Construction Loan · Construction Mortgage
PAJ FUND I
Oct 1, 2019Trustee's Deed, Construction Loan · Construction Mortgage
PAJ FUND I
May 30, 2019Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Dec 7, 2018Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Mar 23, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 9, 2026 · Amount on File
Deed SaleSep 9, 2026 · Amount on File
Prior SaleJun 24, 2020 · Amount on File
Deed Document Number202620672
Deed Book / Page495 / 181
Prior Transfer DateAug 31, 2026
Prior Transfer Doc0000020672
Record UpdatedOct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateSep 9, 2026
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000020672
Book / Page495 / 181
Instrument DateAug 31, 2026
Instrument202620672
Transaction TypeTransfer
Record UpdatedSep 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$5,807.50
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6127 LOCUST RD, COVINGTON, KY 41015-2421

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000000021
Instrument DateJun 12, 2020
Transaction TypeMortgage
Record UpdatedAug 6, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address6127 LOCUST RD COVINGTON KY 410152421, COVINGTON, KY 41015-2421

Mortgage

Document Number0000000021
DateJun 24, 2020
Book Page000M62/000044
Instrument21
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
AmountAmount on Record
Term360 Months
DueJun 23, 2050

October 2019: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionKENTON KY
Recording DateOct 1, 2019
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000000135
Book / Page0I4336 / 000326
Instrument DateSep 20, 2019
Instrument135
Transaction TypeConstruction Loan
Record UpdatedDec 7, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 15162 COVINGTON KY 410150162, COVINGTON, KY 41015-0162

Mortgage

Document Number0000000135
DateOct 1, 2019
Book Page0I4336/000326
Instrument135
Lender
NamePAJ FUND I
TypeFunding / Finance Company
AddressPHOENIX, AZ 85028
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueSep 30, 2020
Interest
Rate16%

October 2019: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateOct 1, 2019
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Book / Page0I4336 / 000326
Instrument DateSep 20, 2019
Instrument135
Transaction TypeConstruction Loan
Record UpdatedOct 21, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 15162 COVINGTON KY 410150162, COVINGTON, KY 41015-0162

Mortgage

Document Number0000000135
DateOct 1, 2019
Book Page0I4336/000326
Instrument135
Lender
NamePAJ FUND I
TypeFunding / Finance Company
AddressPHOENIX, AZ 85028
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueSep 30, 2020
Interest
Rate16%

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 30, 2019
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000000179
Book / Page0I4270 / 000215
Instrument DateMay 24, 2019
Instrument179
Transaction TypeTransfer
Record UpdatedJun 13, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
Tax$45.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 15762 COVINGTON KY 410150762, COVINGTON, KY 41015-0762

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 7, 2018
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000000114
Book / Page0I4202 / 000294
Instrument DateNov 28, 2018
Instrument114
Transaction TypeTransfer
Record UpdatedJan 14, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
Tax$10.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8901 SWAN HILL RD LOUISVILLE KY 402411163, LOUISVILLE, KY 40241-1163

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 23, 2018
Property Address6127 LOCUST RD, COVINGTON, KY 41015-2421
Document Number0000000107
Book / PageORI408 / 000303
Instrument DateMar 21, 2018
Instrument107
Transaction TypeTransfer
Record UpdatedApr 10, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$8.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1855 SHADY LN CRITTENDEN KY 410308916, CRITTENDEN, KY 41030-8916

Tax Assessment & Valuation

The 2025 property tax bill for 6127 Locust Rd was $1,562.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,562.00$113,500 Land $15,000 Building $98,500$113,500 Land $15,000 Building $98,500
2023$1,769.00$113,500 Land $3,700 Building $109,800$113,500 Land $3,700 Building $109,800

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

Flood

FEMA maps place 6127 Locust Rd in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 6127 Locust Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 157 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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