3105 Frazier St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3105 Frazier St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 945 sqft · built 1914
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (May 2017)
Tax Bill	$1,388 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-31-02-009.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-02-009.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	945 sqft Finished Area
Gross Area	1,333 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Garage Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3105 FRAZIER ST
City	COVINGTON
State	KY
Zip	41015-1263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROGERS PT LOTS 399 THRU 402 30'X 100' WS FRAZIER 70' S 31ST
Legal Subdivision	ROGERS M
Legal Phase	2
Legal Lot Number	399
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
Census Tract	61400

Owner

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	3105 FRAZIER ST, COVINGTON, KY 41015-1263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
May 25, 2017	Warranty Deed, Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Prior Sale	Jun 14, 2016 · Amount on Record
Deed Document Number	201705 25 059 00243
Deed Book / Page	6167 / 315
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3105 FRAZIER ST, COVINGTON, KY 41015-1263
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900093
Date	Jan 9, 2023
Book Page	KCM 433/393
Instrument	23010905900093

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	294 Months
Due	Jul 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 25, 2017
Property Address	3105 FRAZIER ST, COVINGTON, KY 41015-1263
Document Number	0000000243
Book / Page	0C6167 / 000315
Instrument Date	May 23, 2017
Instrument	243
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3105 FRAZIER ST COVINGTON KY 410151263, COVINGTON, KY 41015-1263

Mortgage

Document Number	244
Date	May 25, 2017
Book Page	0C6167/000319
Instrument	244

Lender

Name	OTHER INSTITUTIONAL LENDERS
Address	CINCINNATI, OH 45247

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

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		$108,900 (+3.91%) Land $10,000 Building $98,900	$108,900 (+3.91%) Land $10,000 Building $98,900
2025	$1,388.00 (-0.5%)	$104,800 (-) Land $5,000 Building $99,800	$104,800 (-) Land $5,000 Building $99,800
2023	$1,395.00	$104,800 Land $5,000 Building $99,800	$104,800 Land $5,000 Building $99,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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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