Kenton County property record for 3204 Latonia Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,096 sqft · built 1913 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Feb 2026) |
| Tax Bill | $2,716 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-10-022.00 |
| Primary APN | 056-12-10-022.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,096 sqft Finished Area |
| Gross Area | 1,324 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3204 LATONIA AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN PHIL E BLK 11 LOT 2 |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 11 |
| Legal Block | 11 |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 61400 |
3204 Latonia Ave is owned and occupied by an individual who bought it in February 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Mar 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| May 13, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Nov 2, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2026 · Amount on File |
| Deed Sale | Feb 12, 2026 · Amount on File |
| Prior Sale | Mar 10, 2023 · Amount on File |
| Deed Document Number | 202602122894 |
| Deed Book / Page | 389 / 866 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 12, 2026 |
| Property Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0000002894 |
| Book / Page | 389 / 866 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Feb 12, 2026 |
| Instrument | 26059000002894 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | COLUMBIA TITLE, COLUMBIA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Name | Verified Name |
|---|---|
| Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0000003020 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 26059000003020 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 10, 2023 |
| Property Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0005900121 |
| Book / Page | KC 217 / 168 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 23031005900121 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 864 MAN O WAR BLVD, UNION, KY 41091-8067 |
| Name | Verified Name |
|---|---|
| Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0005900122 |
|---|---|
| Date | Mar 10, 2023 |
| Book Page | KCM 445/873 |
| Instrument | 23031005900122 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 13, 2021 |
| Property Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0005900221 |
| Book / Page | 90 / 415 |
| Instrument Date | May 10, 2021 |
| Instrument | 21051305900221 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2021 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 801 TAMARA CT, 801, SOUTH LEBANON, OH 45065-1153 |
| Name | Verified Name |
|---|---|
| Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0005900222 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 215/344 |
| Instrument | 21051305900222 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 2, 2020 |
| Property Address | 3204 LATONIA AVE, COVINGTON, KY 41015-1338 |
| Document Number | 0000000007 |
| Book / Page | 000052 / 000640 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 7 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3204 LATONIA AVE COVINGTON KY 410151338, COVINGTON, KY 41015-1338 |
The 2025 property tax bill for 3204 Latonia Ave was $2,716.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,000 (-) Land $10,000 Building $195,000 | $205,000 (-) Land $10,000 Building $195,000 | |
| 2025 | $2,716.00 | $205,000 Land $5,000 Building $200,000 | $205,000 Land $5,000 Building $200,000 |
| 2023 | $2,157.00 | $162,000 Land $5,000 Building $157,000 | $162,000 Land $5,000 Building $157,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3204 Latonia Ave in Zone X, an area of minimal flood risk.
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.
The area around 3204 Latonia Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 691 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 |
| AT&T Fixed Wireless | 100 / 20 |
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