Kenton County property record for 3312 Latonia Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,472 sqft · built 1902 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $193,000 (Jul 2025) |
| Tax Bill | $2,689 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Mar 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-11-023.00 |
| Primary APN | 056-12-11-023.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,472 sqft Finished Area |
| Gross Area | 1,888 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3312 LATONIA AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN PHIL E BLK 12 LOT 6 |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 12 |
| Legal Block | 12 |
| Legal Lot Number | 6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 61400 |
3312 Latonia Ave is owned and occupied by two individuals who bought it in July 2025.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jul 1, 2025 | Warranty Deed, Transfer · FHA Mortgage LUMINATE BANK |
| Mar 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Jun 23, 2022 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Sep 8, 2021 | Deed, Transfer |
| Oct 15, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2025 · Amount on File |
| Deed Sale | Jul 1, 2025 · Amount on File |
| Prior Sale | Mar 21, 2023 · Amount on File |
| Deed Document Number | 2025106 |
| Deed Book / Page | 350 / 63 |
| Prior Transfer Date | Oct 10, 2013 |
| Prior Transfer Doc | 0000000143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 1, 2025 |
| Property Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900106 |
| Book / Page | KC 350 / 63 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Jun 27, 2025 |
| Instrument | 25070105900106 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERLOCKEN CRES APT 1120, 1120, BROOMFIELD, CO 80021-8137 |
| Name | Verified Name |
|---|---|
| Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900107 |
|---|---|
| Date | Jul 1, 2025 |
| Instrument | 25070105900107 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 21, 2023 |
| Property Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900118 |
| Book / Page | KC 218 / 714 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Mar 17, 2023 |
| Instrument | 23032105900118 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2023 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $203.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3416 HILLCREST DR, COVINGTON, KY 41018-2221 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900119 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | KCM 447/772 |
| Instrument | 23032105900119 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 23, 2022 |
| Property Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900008 |
| Book / Page | 172 / 919 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 22062305900008 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 PARK AVE S # 73833, 228, NEW YORK, NY 10003-1502 |
| Name | Verified Name |
|---|---|
| Address | 3416 HILLCREST DR, COVINGTON, KY 41018-2221 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 8, 2021 |
| Property Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900091 |
| Book / Page | 116 / 607 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Sep 2, 2021 |
| Instrument | 21090805900091 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $65.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3612 CAROLINE ST, 3612, COVINGTON, KY 41015-1428 |
| Name | Verified Name |
|---|---|
| Address | 6179 KINGSGATE DR, BURLINGTON, KY 41005-8908 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 15, 2021 |
| Property Address | 3312 LATONIA AVE, COVINGTON, KY 41015-1340 |
| Document Number | 0005900066 |
| Book / Page | 124 / 180 |
| Map Reference | MB 49 PG 642 |
| Instrument Date | Sep 2, 2021 |
| Instrument | 21101505900066 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 176656, COVINGTON, KY 41017-6656 |
| Name | Verified Name |
|---|---|
| Address | 228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3312 Latonia Ave was $2,689.
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 | $193,000 (-4.93%) Land $10,000 Building $183,000 | $193,000 (-4.93%) Land $10,000 Building $183,000 | |
| 2025 | $2,689.00 | $203,000 Land $5,000 Building $198,000 | $203,000 Land $5,000 Building $198,000 |
| 2023 | $799.00 | $60,000 Land $5,000 Building $55,000 | $60,000 Land $5,000 Building $55,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3312 Latonia Ave 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.
The area around 3312 Latonia Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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