Kenton County property record for 3303 Emerson St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,872 sqft · built 1926 |
| Lot Size | 0.079 acres (3,438 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Dec 2018) |
| Tax Bill | $1,974 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-03-011.00 |
| Primary APN | 056-12-03-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Finished Area |
| Gross Area | 2,028 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,438 sqft (0.079 acres) |
| Lot Dimensions | 62.5 ft deep x 55 ft wide |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3303 EMERSON ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN PHIL E BLK 22 PT LOTS 24-25-26 55'X 62.5' SWC 33RD & EMERSON |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 22 |
| Legal Block | 22 |
| Legal Lot Number | 24,25 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
3303 Emerson St is owned and occupied by an individual who bought it in December 2018.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3303 EMERSON ST, COVINGTON, KY 41015-1327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK |
| Dec 19, 2018 | Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2018 · Amount on File |
| Deed Sale | Dec 19, 2018 · Amount on File |
| Prior Sale | Apr 7, 2015 · Amount on File |
| Deed Document Number | 201812 19 059 00103 |
| Deed Book / Page | 6566 / 236 |
| Prior Transfer Date | Oct 1, 1999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3303 EMERSON ST, COVINGTON, KY 41015-1327 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3303 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0005900229 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 319/354 |
| Instrument | 21122905900229 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LATONIA, KY 41015 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3303 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0000000226 |
| Instrument Date | Mar 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 3303 EMERSON ST COVINGTON KY 410151327, COVINGTON, KY 41015-1327 |
| Document Number | 0000000226 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 000M22/000383 |
| Instrument | 226 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 19, 2018 |
| Property Address | 3303 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0000000103 |
| Book / Page | 0C6566 / 000236 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 103 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3303 EMERSON ST COVINGTON KY 410151327, COVINGTON, KY 41015-1327 |
| Document Number | 105 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 0C6566/000239 |
| Instrument | 105 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2048 |
The 2025 property tax bill for 3303 Emerson St was $1,974.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,200 (+7.52%) Land $10,000 Building $150,200 | $160,200 (+7.52%) Land $10,000 Building $150,200 | |
| 2025 | $1,974.00 | $149,000 Land $5,000 Building $144,000 | $149,000 Land $5,000 Building $144,000 |
| 2023 | $1,984.00 | $149,000 Land $5,000 Building $144,000 | $149,000 Land $5,000 Building $144,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3303 Emerson St in Zone X, an area of minimal flood risk.
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 risk around 3303 Emerson St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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