3316 Winchester St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3316 Winchester St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1952
Lot Size	0.086 acres (3,750 sqft)
Owner	2 Individual Names on File
Last Sale	$46,950 (Oct 2014)
Tax Bill	$1,325 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`056-31-18-012.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-18-012.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3316 WINCHESTER ST
City	COVINGTON
State	KY
Zip	41015-1272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAMSON PT LOTS 579-580 50'X 75' ES WINCHESTER 50' N 34TH
Legal Subdivision	WILLIAMSON SUBD
Legal Lot Number	579,58
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61100

Owner

3316 Winchester St is owned by two individuals who bought it in October 2014.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16218 LEBANON CRITTENDEN RD, VERONA, KY 41092-8241
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 19, 2019	Warranty Deed, Transfer NORTHWEST TITLE FAM/COMPANIES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2014 · Amount on File
Deed Sale	Oct 20, 2014 · Amount on File
Prior Sale	Jul 1, 2014 · Amount on File
Deed Document Number	201410 20 059 00113
Deed Book / Page	5517 / 144
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3316 WINCHESTER ST, COVINGTON, KY 41015-1272
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	OLD TOWN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16218 LEBANON CRITTENDEN RD, VERONA, KY 41092-8241

Mortgage

Document Number	0005900110
Date	Oct 17, 2023
Book Page	KCM 500/149
Instrument	23101905900110

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 19, 2019
Property Address	3316 WINCHESTER ST, COVINGTON, KY 41015-1272
Document Number	0000000111
Book / Page	0C6833 / 000284
Instrument Date	Dec 4, 2019
Instrument	111
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16218 LEBANON CRITTENDEN RD VERONA KY 410928241, VERONA, KY 41092-8241

Tax Assessment & Valuation

The 2025 property tax bill for 3316 Winchester St was $1,325.

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
2026		$100,000 (-) Land $10,000 Building $90,000	$100,000 (-) Land $10,000 Building $90,000
2025	$1,325.00	$100,000 Land $5,000 Building $95,000	$100,000 Land $5,000 Building $95,000
2023	$1,332.00	$100,000 Land $5,000 Building $95,000	$100,000 Land $5,000 Building $95,000

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

Flood

FEMA maps place 3316 Winchester St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1983 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3316 Winchester 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 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 98 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

May also be available: T-Mobile.

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