3324 Watson Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3324 Watson Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft
Lot Size	0.05 acres (2,200 sqft)
Owner	Individual on Record
Tax Bill	$1,729 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-12-15-018.00`

Property Details

APN / Parcel Number

Primary APN	`056-12-15-018.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,056 sqft Finished Area
Gross Area	1,344 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,200 sqft (0.05 acres)
Lot Dimensions	80 ft deep x 27.5 ft wide
Garage Area	191 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0561215018.00
Street Address	3324 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 PT LOTS 12-13 27.5'X 80' ES WATSON 27.5' N 35TH W 5'X 80' LOT 12 & W 22.5'X 80' LOT 13
Legal Subdivision	GREEN PHIL E
Legal Phase	7
Legal Block	7
Legal Lot Number	12,13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2023
Census Tract	61400

Owner

Source: Kenton County assessment roll, as of April 1, 2025

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

Owner of Record	Individual on Record
Mailing Address	3324 WATSON AVE, COVINGTON, KY 41015-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 1999
Deed Sale	May 6, 1999
Prior Sale	Mar 10, 1998 · Amount on Record
Deed Document Number	0000000073
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3324 WATSON AVE, COVINGTON, KY 41015-1358
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900218
Date	Mar 17, 2021
Book Page	KC185/216
Instrument	21031705900218

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$1,729.00 (-0.52%)	$130,500 (-) Land $5,000 Building $125,500	$130,500 (-) Land $5,000 Building $125,500
2023	$1,738.00	$130,500 Land $5,000 Building $125,500	$130,500 Land $5,000 Building $125,500

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

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 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