Kenton County property record for 3217 Watson Ave, Covington, KY 41015 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1969 |
| Lot Size | 0.155 acres (6,772 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jul 2024) |
| Tax Bill | $1,987 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-10-010.00 |
| Primary APN | 056-12-10-010.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Finished Area |
| Gross Area | 1,567 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 6,772 sqft (0.155 acres) |
| Lot Dimensions | 162 ft deep x 41.8 ft wide |
| Garage Type | Detached |
| Garage Area | 635 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3217 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 18 & 16.8' OF 18 41.8'X 162' WS WATSON |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 11 |
| Legal Block | 11 |
| Legal Lot Number | 18,19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 61400 |
Source: Kenton County records · APN 056-12-10-010.00
Assessment roll updated December 2, 2025 · Last verified April 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 | 3217 WATSON AVE, COVINGTON, KY 41015-1355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Deed Document Number | 20247 |
| Deed Book / Page | 296 / 48 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 23, 2026 |
| Property Address | 3217 WATSON AVE, COVINGTON, KY 41015-1355 |
| Document Number | 0000015964 |
| Book / Page | 465 / 379 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202615964 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3217 WATSON AVE, COVINGTON, KY 41015-1355 |
| Document Number | 0000015964, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 465/379 |
| Instrument | 202615964 |
| Name | TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $1,987.00 (+103.79%) | $150,000 (+25.42%) Land $5,000 Building $145,000 | $150,000 (+25.42%) Land $5,000 Building $145,000 |
| 2023 | $975.00 Homeowner's exemption | $119,600 Land $5,000 Building $114,600 | $119,600 Land $5,000 Building $114,600 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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