Kenton County property record for 3307 Emerson St, Covington, KY 41015
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,650 sqft · built 1924 |
| Lot Size | 0.083 acres (3,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Aug 2023) |
| Tax Bill | $2,451 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-03-013.00 |
| Primary APN | 056-12-03-013.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,650 sqft Finished Area |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,600 sqft (0.083 acres) |
| Lot Dimensions | 115 ft deep x 31.3 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3307 EMERSON ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1327 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | GREEN PHIL E BLK 22 LOT 22 & 6.3' 23 31.3'X 115' WS EMERSON |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 22 |
| Legal Block | 22 |
| Legal Lot Number | 22,23 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 255 8TH AVE NE, SAINT PETERSBURG, FL 33701-1902 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Oct 6, 2021 | Warranty Deed, Transfer LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Oct 27, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2023 · Amount on Record |
| Deed Sale | Aug 30, 2023 · Amount on Record |
| Prior Sale | Oct 6, 2021 · Amount on Record |
| Deed Document Number | 2023254 |
| Deed Book / Page | 244 / 134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3307 EMERSON ST, COVINGTON, KY 41015-1327 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3307 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0005900290 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 235/553 |
| Instrument | 21062405900290 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 18, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 30, 2023 |
| Property Address | 3307 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0005900254 |
| Book / Page | KC 244 / 134 |
| Instrument Date | Aug 24, 2023 |
| Instrument | 23083005900254 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12105 ELEONORE CT, SAN DIEGO, CA 92131-3807 |
| Name | Verified Name |
|---|---|
| Address | 255 9TH AVE NE, SAINT PETERSBURG, FL 33701-1906 |
| Document Number | 0005900255 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | KCM 488/401 |
| Instrument | 23083005900255 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 6, 2021 |
| Property Address | 3307 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0005900096 |
| Book / Page | 121 / 986 |
| Instrument Date | Sep 29, 2021 |
| Instrument | 21100605900096 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount Recorded |
|---|---|
| Tax | $133.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5521 STOKESWOOD CT, CINCINNATI, OH 45238-4145 |
| Name | Verified Name |
|---|---|
| Address | 12105 ELEONORE CT, SAN DIEGO, CA 92131-3807 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2017 |
| Property Address | 3307 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0000000074 |
| Book / Page | 0C6280 / 000313 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 74 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $104.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3307 EMERSON ST COVINGTON KY 410151327, COVINGTON, KY 41015-1327 |
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 | $185,000 (-) Land $10,000 Building $175,000 | $185,000 (-) Land $10,000 Building $175,000 | |
| 2025 | $2,451.00 (+37.85%) | $185,000 (+38.58%) Land $5,000 Building $180,000 | $185,000 (+38.58%) Land $5,000 Building $180,000 |
| 2023 | $1,778.00 (+0.85%) | $133,500 (-) Land $5,000 Building $128,500 | $133,500 (-) Land $5,000 Building $128,500 |
| 2022 | $1,763.00 | $133,500 Land $5,000 Building $128,500 | $133,500 Land $5,000 Building $128,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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