3224 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3224 Watson Ave, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 920 sqft · built 1914
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Jul 2022 Sale Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-14-013.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-14-013.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	920 sqft Finished Area
Gross Area	1,004 sqft

Exterior

Year Built	Built 1914
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0561214013.00
Street Address	3224 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN PHIL E BLK 8 LOTS 11-12 .132 ACS NES WATSON AVE
Legal Subdivision	GREEN PHIL E
Legal Phase	8
Legal Block	8
Legal Lot Number	11-12
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2022
Census Tract	61400

Owner

Source: Kenton County records · APN 056-12-14-013.00

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
Mailing Address	3224 WATSON AVE, COVINGTON, KY 41015-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 05, 2022	Deed, Transfer
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 12, 2025
Deed Sale	Mar 12, 2025
Prior Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	0000174638
Deed Book / Page	174 / 638
Prior Transfer Date	Jul 05, 2022
Prior Transfer Doc	22070505900103
Record Updated	Jun 08, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 05, 2022
Property Address	3224 WATSON AVE, COVINGTON, KY 41015-1356
Document Number	0005900103
Book / Page	174 / 638
Instrument Date	Jun 15, 2022
Instrument	22070505900103
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5195 SOUTH PAT CIR, 5195, KINGS MILLS, OH 45034

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3224 WATSON AVE, COVINGTON, KY 41015-1356

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 15, 2019
Property Address	3224 WATSON AVE, COVINGTON, KY 41015-1356
Document Number	0000000005
Book / Page	0C6703 / 000131
Instrument Date	Jul 08, 2019
Instrument	5
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4022 GALENA DR AVON IN 461236501, AVON, IN 46123-6501

Mortgage

Document Number	6
Date	Jul 15, 2019
Book Page	0C6703/000135
Instrument	6

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

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	$2,385.00 (-0.5%)	$180,000 (-) Land $5,000 Building $175,000	$180,000 (-) Land $5,000 Building $175,000
2023	$2,397.00	$180,000 Land $5,000 Building $175,000	$180,000 Land $5,000 Building $175,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 691 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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