728 Dalton St, Covington, KY 41011 Property Records

Kenton County property record for 728 Dalton St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,558 sqft · built 1894
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Last Sale	$228,000 (Sep 2023)
Tax Bill	$3,021 (2025)
Deeds & Mortgages	Sep 2023 Sale & Construction Loan Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-06-023.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-06-023.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,558 sqft Finished Area

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	84 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	728 DALTON ST
City	COVINGTON
State	KY
Zip	41011-1249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARNOLD H'STD BLK N W 84' LOT 5
Legal Subdivision	ARNOLD HOMESTEAD
Legal Phase	N
Legal Block	N
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	60300

Owner

Source: Kenton County records, as of October 20, 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	Company Name on Record
Mailing Address	6545 MARKET AVE N, 100, CANTON, OH 44721-2430
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
Jul 20, 2023	Warranty Deed, Transfer · Commercial Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Deed Document Number	202317
Deed Book / Page	245 / 364
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 8, 2023
Property Address	728 DALTON ST, COVINGTON, KY 41011-1249
Document Number	0005900017
Book / Page	KC 245 / 364
Instrument Date	Aug 22, 2023
Instrument	23090805900017
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY

Transaction

Amount	Amount Recorded
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	PO BOX 176656, COVINGTON, KY 41017-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	6545 MARKET AVE N # 100, 100, CANTON, OH 44721-2430

Mortgage

Document Number	0049000377
Date	Sep 8, 2023
Book Page	KCM 490/377
Instrument	23090849000377

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2023
Property Address	728 DALTON ST, COVINGTON, KY 41011-1249
Document Number	0005900018
Book / Page	KC 236 / 583
Instrument Date	Jul 14, 2023
Instrument	23072005900018
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1083 LAWTON RD, PARK HILLS, KY 41011-1968

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Mortgage

Document Number	0005900019
Date	Jul 20, 2023
Book Page	KCM 477/219
Instrument	23072005900019

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2024

Tax Assessment & Valuation

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		$228,000 (-) Land $10,000 Building $218,000	$228,000 (-) Land $10,000 Building $218,000
2025	$3,021.00 (+180.24%)	$228,000 (+181.48%) Land $10,000 Building $218,000	$228,000 (+181.48%) Land $10,000 Building $218,000
2023	$1,078.00 (+0.75%)	$81,000 (-) Land $10,000 Building $71,000	$81,000 (-) Land $10,000 Building $71,000
2022	$1,070.00	$81,000 Land $10,000 Building $71,000	$81,000 Land $10,000 Building $71,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 607 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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