3318 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3318 Watson Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,276 sqft · built 1919
Lot Size	0.066 acres (2,875 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Mar 2019)
Tax Bill	$1,738 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-12-15-021.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-15-021.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,276 sqft Finished Area
Gross Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	2,875 sqft (0.066 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3318 WATSON AVE
City	COVINGTON
State	KY
Zip	41015-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN PHIL E BLK 7 LOT 9 .066 ACS NES WATSON AVE
Legal Subdivision	GREEN PHIL E
Legal Phase	7
Legal Block	7
Legal Lot Number	9
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2023
Census Tract	61400

Owner

Source: Kenton County records · APN 056-12-15-021.00

Assessment roll updated December 2, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 20, 2019	Warranty Deed, Transfer · FHA Mortgage VICTORY CMNTY BK
May 29, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY
Apr 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Prior Sale	May 07, 2015 · Amount on Record
Deed Document Number	201903 20 059 00152
Deed Book / Page	6622 / 142
Prior Transfer Date	Mar 27, 2018
Prior Transfer Doc	0005900167
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Transaction Type	Mortgage
Record Updated	Oct 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900133
Date	Sep 21, 2022
Book Page	409/1
Instrument	22092105900133

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Transaction Type	Mortgage
Record Updated	Mar 04, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900206
Date	Feb 24, 2021
Book Page	172/666
Instrument	21022405900206

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 20, 2019
Property Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Document Number	0000000152
Book / Page	0C6622 / 000142
Instrument Date	Mar 19, 2019
Instrument	152
Transaction Type	Transfer
Record Updated	Apr 02, 2019
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 WATSON AVE COVINGTON KY 410151358, COVINGTON, KY 41015-1358

Mortgage

Document Number	153
Date	Mar 20, 2019
Book Page	0C6622/000145
Instrument	153

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Document Number	0000000159
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 WATSON AVE COVINGTON KY 410151358, COVINGTON, KY 41015-1358

Mortgage

Document Number	0000000159
Date	Jun 19, 2018
Book Page	0C6434/000038
Instrument	159

Lender

Name	FIFTH THIRD BK/NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 18, 2023

Interest

Rate Type	Adjustable Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 13, 2018
Property Address	3318 WATSON AVE, COVINGTON, KY 41015-1358
Document Number	0000000167
Book / Page	0C6389 / 000305
Instrument Date	Mar 27, 2018
Instrument	167
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 WATSON AVE COVINGTON KY 410151358, COVINGTON, KY 41015-1358

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,738.00 (-0.52%)	$131,200 (-) Land $5,000 Building $126,200	$131,200 (-) Land $5,000 Building $126,200
2023	$1,747.00	$131,200 Land $5,000 Building $126,200	$131,200 Land $5,000 Building $126,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 691 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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