Kenton County property record for 7 E Southern Ave, Covington, KY 41015 · Last verified December 2025
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 5,829 sqft · built 1901 |
| Lot Size | 0.113 acres (4,950 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,511 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-32-02-002.00 |
| Primary APN | 056-32-02-002.00 |
|---|
| Building Area | 5,829 sqft Finished Area |
|---|
| Year Built | Built 1901 |
|---|---|
| Lot Area | 4,950 sqft |
| Lot Dimensions | 100 ft deep x 49 ft wide |
| Old Parcel Number | 0563202002.00 |
|---|---|
| Street Address | 7 E SOUTHERN AVE |
| City | COVINGTON |
| State | KY |
| Zip | 41015-1447 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | GLENNS PT LOT 1 49.5X100 IRREG |
| Legal Subdivision | GLENNS SUBD |
| Legal Lot Number | 1 49 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 61300 |
Source: Kenton County records · APN 056-32-02-002.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10727 MEETING ST, PROSPECT, KY 40059-7592 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · SBA Mortgage HERITAGE BANK INC |
| Nov 23, 2022 | Deed of Trust, Mortgage · Commercial Mortgage THE CECILIAN BANK |
| May 09, 2022 | Warranty Deed, Transfer THE CECILIAN BANK |
| Oct 25, 2021 | Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF KENTUCKY |
| Mar 09, 2018 | Warranty Deed, Transfer · Line of Credit US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 09, 2022 |
| Deed Sale | May 09, 2022 |
| Prior Sale | Mar 09, 2018 · Amount on Record |
| Deed Document Number | 0000164179 |
| Deed Book / Page | 126 / 287 |
| Prior Transfer Date | Oct 25, 2021 |
| Prior Transfer Doc | 21102505900166 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Document Number | 0005900088 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | KCM 701/498 |
| Instrument | 25102905900088 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 24, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10727 MEETING ST, PROSPECT, KY 40059-7592 |
| Document Number | 0005900002 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 423/406 |
| Instrument | 22112305900002 |
| Name | THE CECILIAN BANK |
|---|---|
| Type | Bank |
| Address | ELIZABETHTOWN, KY 42701 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 18, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 09, 2022 |
| Property Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Document Number | 0005900031 |
| Book / Page | 164 / 179 |
| Map Reference | PG 323 |
| Instrument Date | May 05, 2022 |
| Instrument | 22050905900031 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 343 PIKE ST, COVINGTON, KY 41011-2179 |
| Name | Verified Name |
|---|---|
| Address | 10727 MEETING ST, PROSPECT, KY 40059-7592 |
| Document Number | 0005900032 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 368/873 |
| Instrument | 22050905900032 |
| Name | THE CECILIAN BANK |
|---|---|
| Type | Bank |
| Address | ELIZABETHTOWN, KY 42701 |
| Amount | Amount Recorded |
|---|---|
| Term | 2 Months |
| Due | Jul 05, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 25, 2021 |
| Property Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Document Number | 0005900166 |
| Book / Page | 126 / 287 |
| Map Reference | PG 323 |
| Instrument Date | Sep 01, 2021 |
| Instrument | 21102505900166 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2417 PARK AVE, CINCINNATI, OH 45212-3465 |
| Name | Verified Name |
|---|---|
| Address | 343 PIKE ST, COVINGTON, KY 41011-2179 |
| Document Number | 0005900167 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 21102505900167 |
| Name | FIRST NATIONAL BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 01, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 09, 2018 |
| Property Address | 7 E SOUTHERN AVE, COVINGTON, KY 41015-1447 |
| Document Number | 0000000038 |
| Book / Page | 0C6367 / 000284 |
| Instrument Date | Mar 06, 2018 |
| Instrument | 38 |
| Transaction Type | Transfer |
| Record Updated | Apr 04, 2018 |
| Title Company | CENTRAL LAND TITLE AGENCY COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5612 GUM RUN RD CLEVES OH 450029535, CLEVES, OH 45002-9535 |
| Document Number | 39 |
|---|---|
| Date | Mar 09, 2018 |
| Book Page | 0C6367/000287 |
| Instrument | 39 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54903-3487 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 08, 2023 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,511.00 (-0.51%) | $265,000 (-) Land $14,000 Building $251,000 | $265,000 (-) Land $14,000 Building $251,000 |
| 2023 | $3,529.00 (+16.16%) | $265,000 (+15.22%) Land $14,000 Building $251,000 | $265,000 (+15.22%) Land $14,000 Building $251,000 |
| 2022 | $3,038.00 | $230,000 Land $14,000 Building $216,000 | $230,000 Land $14,000 Building $216,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Ritte's Corner Historic District, Latonia listed 1987 · 30 contributing resources · NRIS 87000776 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 756 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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