3105 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3105 Watson Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1860
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (May 2004)
Tax Bill	$2,125 (2025)
Deeds & Mortgages	Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-11-04-006.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-04-006.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,824 sqft Finished Area
Gross Area	2,124 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Slate
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3105 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN PHIL E BLK 10 LOTS 16-17
Legal Subdivision	GREEN PHIL E
Legal Phase	10
Legal Block	10
Legal Lot Number	16-17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3009
Census Tract	61400

Owner

Source: Kenton County records · APN 056-11-04-006.00

Assessment roll updated December 2, 2025 · Last verified July 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 File
Mailing Address	3105 WATSON AVE, COVINGTON, KY 41015-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 19, 2004 · Amount on Record
Deed Sale	May 19, 2004 · Amount on Record
Prior Sale	Sep 21, 1994 · Amount on Record
Deed Document Number	200405 19 059 00131
Deed Book / Page	2180 / 261
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3105 WATSON AVE, COVINGTON, KY 41015-1353
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900101
Date	Feb 08, 2023
Book Page	KCM 435/426
Instrument	23012005900101

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,125.00 (-0.51%)	$160,400 (-) Land $5,000 Building $155,400	$160,400 (-) Land $5,000 Building $155,400
2023	$2,136.00	$160,400 Land $5,000 Building $155,400	$160,400 Land $5,000 Building $155,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell 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

Based on FCC filings for 691 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.