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  5. Lincoln Ave

3512 Lincoln Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3512 Lincoln Ave, Covington, KY 41015

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,088 sqft · built 1912
Lot Size0.128 acres (5,563 sqft)
OwnerIndividual Name on Record
Last Sale$262,500 (Jul 2022)
Tax Bill$3,478 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Dec 2017 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN056-31-14-003.03

Property Details

APN / Parcel Number

Primary APN056-31-14-003.03

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,088 sqft Finished Area
Gross Area1,263 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1912
Effective Year BuiltEffective 1912
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeStone
Roof MaterialComposition Shingle
Lot Area5,563 sqft (0.128 acres)
Lot Dimensions125 ft deep x 44.5 ft wide
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Street Address3512 LINCOLN AVE
CityCOVINGTON
StateKY
Zip41015-1510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMILLS LOT 42 44.5'X 125' ES LINCOLN
Legal SubdivisionMILLS
Legal Lot Number42
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1000
Census Tract61300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Ritte's East Historic District
listed 2014 · 628 contributing resources · NRIS 14000459

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 12, 2022Warranty Deed, Transfer · Stand-Alone First Mortgage
UNION SAVINGS BANK
Dec 20, 2017Warranty Deed, Transfer · Conventional with PMI
CALIBER HM LOANS
Jul 14, 2017Trustee's Deed, Construction Loan · Construction Mortgage
HERITAGE BK
May 12, 2017Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
May 12, 2017Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
May 12, 2017Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 12, 2022 · Amount on Record
Deed SaleJul 12, 2022 · Amount on Record
Prior SaleDec 20, 2017 · Amount on Record
Deed Document Number2022101
Deed Book / Page176 / 491
Prior Transfer DateOct 4, 2005
Prior Transfer Doc0005900313
Record UpdatedOct 29, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJul 12, 2022
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Document Number0005900101
Book / Page176 / 491
Map ReferenceMB 68 PG 541
Instrument DateJul 6, 2022
Instrument22071205900101
Transaction TypeTransfer
Record UpdatedJul 25, 2022
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1112 LOCUST AVE, 1112, DAYTON, KY 41074-1523

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 ROCKWOOD DR, HERMITAGE, TN 37076-2800

Mortgage

Document Number0005900124
DateJul 12, 2022
Instrument22071405900124
Lender
NameUNION SAVINGS BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2052

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 20, 2017
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Document Number0000000189
Book / Page0C6320 / 000167
Instrument DateDec 15, 2017
Instrument189
Transaction TypeTransfer
Record UpdatedJan 11, 2018
Title Company360 AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$161.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3512 LINCOLN AVE COVINGTON KY 410151510, COVINGTON, KY 41015-1510

Mortgage

Document Number191
DateDec 20, 2017
Book Page0C6320/000170
Instrument191
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 19, 2047

July 2017: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateJul 14, 2017
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Book / Page006201 / 000317
Instrument DateJun 30, 2017
Instrument253
Transaction TypeConstruction Loan
Record UpdatedAug 23, 2018

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7692 BIG CEDAR CT FLORENCE KY 410427815, FLORENCE, KY 41042-7815

Mortgage

Document Number0000000253
DateJul 14, 2017
Book Page006201/000317
Instrument253
Lender
NameHERITAGE BK
TypeBank
AddressBOONE, KY 41091
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJul 13, 2018

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 12, 2017
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Document Number0000000058
Book / Page0C6157 / 000115
Instrument DateMay 10, 2017
Instrument58
Transaction TypeTransfer
Record UpdatedMay 22, 2017
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$47.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7692 BIG CEDAR CT FLORENCE KY 410427815, FLORENCE, KY 41042-7815

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 12, 2017
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Document Number0000000056
Book / Page0C6157 / 000109
Instrument DateMay 10, 2017
Instrument56
Transaction TypeTransfer
Record UpdatedMay 22, 2017
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$25.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address730 DRY CREEK CT VILLA HILLS KY 410171010, VILLA HILLS, KY 41017-1010

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 12, 2017
Property Address3512 LINCOLN AVE, COVINGTON, KY 41015-1510
Document Number0000000057
Book / Page0C6157 / 000112
Instrument DateMay 10, 2017
Instrument57
Transaction TypeTransfer
Record UpdatedMay 23, 2017
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$39.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 W 6TH ST COVINGTON KY 410111492, COVINGTON, KY 41011-1492

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$262,500 (-) Land $15,000 Building $247,500$262,500 (-) Land $15,000 Building $247,500
2025$3,478.00 (-0.51%)$262,500 (-) Land $10,000 Building $252,500$262,500 (-) Land $10,000 Building $252,500
2023$3,496.00$262,500 Land $10,000 Building $252,500$262,500 Land $10,000 Building $252,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot rated
no wildfire likelihood modeled here

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 756 locations within half a mile, as of December 31, 2025

ProviderMax 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
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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