3226 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3226 Watson Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 950 sqft · built 1985
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$11,000 (Nov 2017)
Tax Bill	$1,336 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-14-012.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-14-012.00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	950 sqft Finished Area
Gross Area	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3226 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1356
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREEN PHIL E BLK 8 LOTS 13-14 .132 ACS NEC WATSON & 33RD ST
Legal Subdivision	GREEN PHIL E
Legal Phase	8
Legal Block	8
Legal Lot Number	13-14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2022
Census Tract	61400

Owner

Source: Kenton County records · APN 056-12-14-012.00

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	3226 WATSON AVE, COVINGTON, KY 41015-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 03, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 22, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 22, 2017 · Amount on Record
Deed Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	201711 22 059 00139
Deed Book / Page	6300 / 3
Prior Transfer Date	Sep 23, 2017
Prior Transfer Doc	0005900139
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3226 WATSON AVE, COVINGTON, KY 41015-1356
Document Number	0000000177
Instrument Date	Nov 03, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3226 WATSON AVE COVINGTON KY 410151356, COVINGTON, KY 41015-1356

Mortgage

Document Number	0000000177
Date	Jan 04, 2019
Book Page	0C6576/000282
Instrument	177

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 03, 2047

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2017
Property Address	3226 WATSON AVE, COVINGTON, KY 41015-1356
Document Number	0000000139
Book / Page	0C6300 / 000003
Instrument Date	Sep 23, 2017
Instrument	139
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Amount	Amount Recorded
Tax	$11.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3226 WATSON AVE COVINGTON KY 410151356, COVINGTON, KY 41015-1356

Mortgage

Document Number	140
Date	Nov 22, 2017
Book Page	0C6300/000007
Instrument	140

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 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	$1,336.00 (-3.12%) Disabled Person's exemption	$150,000 (-) Land $5,000 Building $145,000	$150,000 (-) Land $5,000 Building $145,000
2023	$1,379.00 Disabled Person's exemption	$150,000 Land $5,000 Building $145,000	$150,000 Land $5,000 Building $145,000

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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