3102 Frazier St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3102 Frazier St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 832 sqft
Lot Size	0.058 acres (2,532 sqft)
Owner	Individual Name on Record
Last Sale	$153,500 (Jan 2024)
Tax Bill	$2,033 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-31-08-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-08-007.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Finished Area
Gross Area	1,197 sqft

Exterior

Exterior Material	Wood Siding
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,532 sqft (0.058 acres)
Lot Dimensions	90.1 ft deep x 28.1 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3102 FRAZIER ST
City	COVINGTON
State	KY
Zip	41015-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FISCHERS RESUB LOT 8 28.08'X 90.05' SEC 31ST & FRAZIER
Legal Subdivision	FISCHERS RESUB
Legal Lot Number	8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	61400

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	Individual Name on Record
Mailing Address	3102 FRAZIER ST, COVINGTON, KY 41015-1264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Deed of Trust, Mortgage CITY OF COVINGTON
Jan 18, 2024	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Jun 22, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2024 · Amount on Record
Deed Sale	Jan 18, 2024 · Amount on Record
Prior Sale	Jun 22, 2023 · Amount on Record
Deed Document Number	202498
Deed Book / Page	265 / 987
Prior Transfer Date	May 26, 2016
Prior Transfer Doc	0005900163
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3102 FRAZIER ST, COVINGTON, KY 41015-1264
Transaction Type	Mortgage
Record Updated	Apr 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900006
Date	Mar 25, 2024
Book Page	KCM 534/951
Instrument	24032505900006

Lender

Name	CITY OF COVINGTON
Type	Government Agency
Address	COVINGTON, KY 41011

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jan 17, 2034

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 18, 2024
Property Address	3102 FRAZIER ST, COVINGTON, KY 41015-1264
Document Number	0005900098
Book / Page	KC 265 / 987
Instrument Date	Jan 18, 2024
Instrument	24011805900098
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	6561 KENWOOD RD, CINCINNATI, OH 45243-2315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 FRAZIER ST, COVINGTON, KY 41015-1264

Mortgage

Document Number	0005900099
Date	Jan 18, 2024
Book Page	KCM 521/352
Instrument	24011805900099

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 22, 2023
Property Address	3102 FRAZIER ST, COVINGTON, KY 41015-1264
Document Number	0005900168
Book / Page	KC 232 / 189
Map Reference	PL 265
Instrument Date	Jun 21, 2023
Instrument	23062205900168
Transaction Type	Transfer
Record Updated	Jul 5, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 50, ADDYSTON, OH 45001-0050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 COOPER RD STE C, C, CINCINNATI, OH 45242-7649

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		$153,500 (-) Land $10,000 Building $143,500	$153,500 (-) Land $10,000 Building $143,500
2025	$2,033.00 (+268.97%)	$153,500 (+270.77%) Land $5,000 Building $148,500	$153,500 (+270.77%) Land $5,000 Building $148,500
2023	$551.00 (+0.92%)	$41,400 (-) Land $5,000 Building $36,400	$41,400 (-) Land $5,000 Building $36,400
2022	$546.00	$41,400 Land $5,000 Building $36,400	$41,400 Land $5,000 Building $36,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Not rated no burnable land within ember reach

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 663 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

May also be available: T-Mobile.

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