3214 Watson Ave, #16, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3214 Watson Ave, #16, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1930
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$79,900 (Nov 2001)
Tax Bill	$1,613 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-14-015.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-14-015.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Finished Area
Gross Area	908 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3214 WATSON AVE, 16
City	COVINGTON
State	KY
Zip	41015-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN PHIL E BLK 8 LOTS 7-8 .132 ACS NES WATSON AVE
Legal Subdivision	GREEN PHIL E
Legal Phase	8
Legal Block	8
Legal Lot Number	7-8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2022
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	3214 WATSON AVE, COVINGTON, KY 41015-1356
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2001 · Amount on Record
Deed Sale	Nov 14, 2001 · Amount on Record
Last Transfer Date	Mar 29, 2004
Transfer Doc	0330059000
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3214 WATSON AVE # 16, 16, COVINGTON, KY 41015-1356
Document Number	0000000128
Book / Page	ORC620 / 000187
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3214 WATSON AVE COVINGTON KY 410151356, COVINGTON, KY 41015-1356

Mortgage

Document Number	0000000128
Date	Jul 25, 2017
Book Page	ORC620/000187
Instrument	128

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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		$121,800 (-) Land $10,000 Building $111,800	$121,800 (-) Land $10,000 Building $111,800
2025	$1,613.00 (-0.55%)	$121,800 (-) Land $5,000 Building $116,800	$121,800 (-) Land $5,000 Building $116,800
2023	$1,622.00	$121,800 Land $5,000 Building $116,800	$121,800 Land $5,000 Building $116,800

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 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