3209 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3209 Watson Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,240 sqft · built 1924
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Nov 2008)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-10-006.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-10-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,240 sqft Finished Area
Gross Area	1,360 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3209 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN PHIL E BLK 11 LOT 24
Legal Subdivision	GREEN PHIL E
Legal Phase	11
Legal Block	11
Legal Lot Number	24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3016
Census Tract	61400

Owner

Source: Kenton County records · APN 056-12-10-006.00

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	3209 WATSON AVE, COVINGTON, KY 41015-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2008 · Amount on Record
Deed Sale	Nov 20, 2008 · Amount on Record
Deed Document Number	200811 20 059 00208
Deed Book / Page	3864 / 273
Last Transfer Date	Jun 11, 2009
Transfer Doc	0005900369
Record Updated	Sep 20, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 22, 2017
Property Address	3209 WATSON AVE, COVINGTON, KY 41015-1355
Document Number	0000000155
Book / Page	0C6101 / 000016
Instrument Date	Feb 17, 2017
Instrument	155
Transaction Type	Transfer
Record Updated	Aug 18, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 WATSON AVE COVINGTON KY 410151355, COVINGTON, KY 41015-1355

Mortgage

Document Number	156
Date	Feb 22, 2017
Book Page	0C6101/000019
Instrument	156

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	CINCINNATI, OH 45247

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2047

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	$1,788.00 (-0.56%)	$135,000 (-) Land $10,000 Building $125,000	$135,000 (-) Land $10,000 Building $125,000
2023	$1,798.00	$135,000 Land $10,000 Building $125,000	$135,000 Land $10,000 Building $125,000

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.