Kenton County property record for 3323 Emerson St, Covington, KY 41015
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,178 sqft · built 1924 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (May 2019) |
| Tax Bill | $993 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-03-020.00 |
| Primary APN | 056-12-03-020.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,178 sqft Finished Area |
| Gross Area | 1,482 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3323 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 PT LOTS 14-15 |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 22 |
| Legal Block | 22 |
| Legal Lot Number | 14,15 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
3323 Emerson St, a duplex, is owned by two individuals who bought it in May 2019.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1926 MOUNT VERNON DR, COVINGTON, KY 41011-3630 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2019 · Amount on File |
| Deed Sale | May 2, 2019 · Amount on File |
| Deed Document Number | 201905 02 059 00162 |
| Deed Book / Page | 6652 / 83 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 2, 2019 |
| Property Address | 3323 EMERSON ST, COVINGTON, KY 41015-1327 |
| Document Number | 0000000162 |
| Book / Page | 0C6652 / 000083 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 162 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3323 EMERSON ST COVINGTON KY 410151327, COVINGTON, KY 41015-1327 |
| Document Number | 164 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 0C6652/000086 |
| Instrument | 164 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2034 |
The 2025 property tax bill for 3323 Emerson St was $993.
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 | $120,000 (+6%) Land $10,000 Building $110,000 | $120,000 (+6%) Land $10,000 Building $110,000 | |
| 2025 | $993.00 | $75,000 Land $5,000 Building $70,000 | $75,000 Land $5,000 Building $70,000 |
| 2023 | $999.00 | $75,000 Land $5,000 Building $70,000 | $75,000 Land $5,000 Building $70,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3323 Emerson St 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 3323 Emerson St 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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