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13 E 35th St, Covington, KY, 41015

3beds
2baths
978sqft
$229,000
$234price/sqft
$1,695/moest. monthly cost
$67,800/yrincome needed

About This Home

Nicely remodeled Cape Cod Stye Home with 3 beds, 2 full bath home in the heart of Latonia! 2 beds on the main level and 1 additional bed upstairs with a versatile loft area, and a full bathroom. Home has been very nicely remodeled throughout * Kitchen includes New Cabinets, New Quartz Countertops, Stainless Steel Appliances, Counter Bar that separates the Kitchen from the Dining Area * Freshly painted interior * Newly installed Luxury Vinyl Flooring on main level and New Carpet upstairs * Brand New Mechanics include Roof, HVAC, Water Heater, and Windows * Full Basement * 1 Car Built-in Garage * Fenced Yard on Level Lot * Close to Holy Cross Church and School

Getting Around

77
WalkingVery Walkable
31
TransitSome Transit
52
BikeBikeable

Schools

3/10
Holmes Middle SchoolGrades 6-80.8 mi
1/10
Holmes High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Existing Structure
  • Year built: 1938

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Electric Range,Dishwasher,Microwave,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom2

  • Features: Full Finished Bath,Shower
  • Level: Second
  • Area: 52.5
  • Dimensions: 7.5 x 7

Bedroom2

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: First
  • Area: 95
  • Dimensions: 10 x 9.5

Bedroom3

  • Features: Carpet Flooring
  • Level: Second
  • Area: 125
  • Dimensions: 10 x 12.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Luxury Vinyl Flooring
  • Level: First
  • Area: 150
  • Dimensions: 12.5 x 12

Features

  • Storage,Eat-in Kitchen,Ceiling Fan(s),Master Downstairs
  • Door features: Multi Panel Doors
  • Window features: Vinyl Frames

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,020
  • Total interior livable area: 978 sqft

Kitchen

  • Features: Wood Cabinets,Breakfast Bar,See Remarks,Luxury Vinyl Flooring
  • Level: First
  • Area: 102
  • Dimensions: 12 x 8.5

Living Room

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: First
  • Area: 240
  • Dimensions: 16 x 15

Loft

  • Features: Carpet Flooring
  • Level: Second
  • Area: 231.25
  • Dimensions: 18.5 x 12.5

Primary Bath

  • Features: Ceramic Tile Flooring,Tub With Shower
  • Level: First
  • Area: 29.25
  • Dimensions: 6.5 x 4.5

Primary Bedroom

  • Features: Ceiling Fan(s),Luxury Vinyl Flooring
  • Level: First
  • Area: 143
  • Dimensions: 13 x 11

Property

Details

  • Parcel number: 0563106006.00
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Porch
  • Residential vegetation: Other,Pine Trees

Lot

  • Lot size: 3,920 sqft
  • Features: Corner Lot,Level
  • Lot size dimensions: 40 x 101 x 40 x 101

Parking

  • Total spaces: 1
  • Parking features: Attached,Driveway,Garage,Garage Faces Front,On Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,157$13,884
Home Insurance *$142$1,704
Property Taxes $242$2,904
Electricity $154$1,850
Total$1,695$20,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,114/yr
40% on housing$50,850/yr
45% on housing$45,200/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 41015$127
Kenton County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 41015$171
Kenton County$184

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-12Pending sale$219,000
2026-08-11Price change$219,000
2026-08-05Price change$224,000
2026-07-30Price change$229,000
2026-07-27Listed for sale$239,000
2026-05-12Sold$70,400
2001-04-04Sold$64,500

For Sale by Agent

AgentKelly Sparks
BrokerageKeller Williams Realty Service

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