Kenton County property record for 809 W 32nd St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 882 sqft · built 1925 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $147,000 (Aug 2022) |
| Tax Bill | $1,947 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-07-002.00 |
| Primary APN | 056-12-07-002.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 882 sqft Finished Area |
| Gross Area | 1,097 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,000 sqft (0.069 acres) |
| Lot Dimensions | 100 ft deep x 30 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 809 W 32ND ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN PHIL E BLK 16 PT LOTS 1-2-3-4 30'X 100' E CARLISLE SS 32ND |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 16 |
| Legal Block | 16 |
| Legal Lot Number | 1,2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 809 W 32ND ST, COVINGTON, KY 41015-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2022 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Aug 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage EVERETT FINANCIAL INC |
| May 2, 2019 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on Record |
| Deed Sale | Aug 23, 2022 · Amount on Record |
| Prior Sale | May 2, 2019 · Amount on Record |
| Deed Document Number | 202247 |
| Deed Book / Page | 185 / 549 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 809 W 32ND ST, COVINGTON, KY 41015-1305 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900019 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 408/814 |
| Instrument | 22092105900019 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Aug 11, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 809 W 32ND ST, COVINGTON, KY 41015-1305 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900048 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 400/626 |
| Instrument | 22082305900048 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 2, 2019 |
| Property Address | 809 W 32ND ST, COVINGTON, KY 41015-1305 |
| Document Number | 0000000160 |
| Book / Page | 0C6652 / 000064 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 160 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 W 32ND ST COVINGTON KY 410151305, COVINGTON, KY 41015-1305 |
| Document Number | 161 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 0C6652/000067 |
| Instrument | 161 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 29780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $147,000 (-) Land $10,000 Building $137,000 | $147,000 (-) Land $10,000 Building $137,000 | |
| 2025 | $1,947.00 (-0.56%) | $147,000 (-) Land $5,000 Building $142,000 | $147,000 (-) Land $5,000 Building $142,000 |
| 2023 | $1,958.00 | $147,000 Land $5,000 Building $142,000 | $147,000 Land $5,000 Building $142,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 691 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 |
| AT&T Fixed Wireless | 100 / 20 |
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