3107 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3107 Watson Ave, Covington, KY 41015

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,108 sqft · built 1921
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Sep 2022)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-11-04-007.00`

Property Details

APN / Parcel Number

Primary APN	`056-11-04-007.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,108 sqft Finished Area
Gross Area	2,204 sqft

Exterior

Year Built	Built 1921
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	80 ft deep x 35 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0561104007.00
Street Address	3107 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1353
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREEN PHIL E BLK 10 PT LOTS 14-15 35'X 80' WS WATSON 40' N 32ND
Legal Subdivision	GREEN PHIL E
Legal Phase	10
Legal Block	10
Legal Lot Number	14,15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3009
Census Tract	61400

Owner

Source: Kenton County records · APN 056-11-04-007.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	3107 WATSON AVE, COVINGTON, KY 41015-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Dec 08, 2006 · Amount on Record
Deed Document Number	0000019243
Deed Book / Page	192 / 43
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 27, 2022
Property Address	3107 WATSON AVE, COVINGTON, KY 41015-1353
Document Number	0005900269
Book / Page	192 / 43
Instrument Date	Sep 23, 2022
Instrument	22092705900269
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount Recorded
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	632 CRYSTAL MIST AVE, 632, SEBASTIAN, FL 32958-6149

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3107 WATSON AVE, COVINGTON, KY 41015-1353

Mortgage

Document Number	0005900270
Date	Sep 27, 2022
Instrument	22092705900270

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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	$2,742.00 (-0.54%)	$207,000 (-) Land $5,000 Building $202,000	$207,000 (-) Land $5,000 Building $202,000
2023	$2,757.00	$207,000 Land $5,000 Building $202,000	$207,000 Land $5,000 Building $202,000

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.