3309 Emerson St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3309 Emerson St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 740 sqft · built 1924
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$55,800 (Dec 2020)
Tax Bill	$1,554 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-03-014.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-03-014.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	740 sqft Finished Area

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3309 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 LOT 21
Legal Subdivision	GREEN PHIL E
Legal Phase	22
Legal Block	22
Legal Lot Number	21
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	61400

Owner

Source: Kenton County assessment roll, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3309 EMERSON ST, COVINGTON, KY 41015-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Prior Sale	Oct 26, 2006 · Amount on Record
Deed Document Number	20205900016
Deed Book / Page	60 / 490
Prior Transfer Date	Mar 28, 2006
Prior Transfer Doc	0005900412
Record Updated	Sep 20, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 14, 2020
Property Address	3309 EMERSON ST, COVINGTON, KY 41015-1327
Document Number	0000000016
Book / Page	000060 / 000490
Instrument Date	Dec 7, 2020
Instrument	16
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$56.00
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	3309 EMERSON ST COVINGTON KY 410151327, COVINGTON, KY 41015-1327

Mortgage

Document Number	17
Date	Dec 14, 2020
Book Page	00M139/000707
Instrument	17

Lender

Name	DRAPER & KRAMER MTG
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,554.00 (-0.51%)	$117,300 (-) Land $5,000 Building $112,300	$117,300 (-) Land $5,000 Building $112,300
2023	$1,562.00	$117,300 Land $5,000 Building $112,300	$117,300 Land $5,000 Building $112,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 691 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell 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