Kenton County property record for 3517 Lincoln Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,529 sqft · built 1899 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Jul 2025) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-31-12-013.00 |
| Primary APN | 056-31-12-013.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,529 sqft Finished Area |
| Gross Area | 1,829 sqft |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3517 LINCOLN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLIAMSON LOT 574 50'X 150' IRREG WS LINCOLN AVE |
| Legal Subdivision | WILLIAMSON SUBD |
| Legal Lot Number | 574 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 61300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
3517 Lincoln Ave is owned and occupied by an individual who bought it in July 2025.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2025 | Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP |
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG |
| Aug 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN MTG SVC |
| Sep 3, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on File |
| Deed Sale | Jul 7, 2025 · Amount on File |
| Prior Sale | Sep 3, 2020 · Amount on File |
| Deed Document Number | 2025158 |
| Deed Book / Page | 351 / 70 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 7, 2025 |
| Property Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Document Number | 0005900158 |
| Book / Page | KC 351 / 70 |
| Instrument Date | Jul 1, 2025 |
| Instrument | 25070705900158 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | ABSOLUTE TITLE, ABSOLUTE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Name | Verified Name |
|---|---|
| Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Document Number | 0005900159 |
|---|---|
| Date | Jul 7, 2025 |
| Instrument | 25070705900159 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Document Number | 0000000234 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3517 LINCOLN AVE COVINGTON KY 410151555, COVINGTON, KY 41015-1555 |
| Document Number | 0000000234 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000409 |
| Instrument | 234 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 2, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Document Number | 000M930394 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3517 LINCOLN AVE COVINGTON KY 410151555, COVINGTON, KY 41015-1555 |
| Document Number | 000M930394 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000394 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 3, 2020 |
| Property Address | 3517 LINCOLN AVE, COVINGTON, KY 41015-1555 |
| Document Number | 0000000234 |
| Book / Page | 000041 / 000417 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 234 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3517 LINCOLN AVE COVINGTON KY 410151555, COVINGTON, KY 41015-1555 |
| Document Number | M930394 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000394 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2050 |
| Document Number | 234, |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000409 |
| Instrument | 234 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Sep 2, 2030 |
The 2025 property tax bill for 3517 Lincoln Ave was $1,921.
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 | $175,000 (+20.69%) Land $15,000 Building $160,000 | $175,000 (+20.69%) Land $15,000 Building $160,000 | |
| 2025 | $1,921.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
| 2023 | $1,931.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3517 Lincoln Ave 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.
No wildfire likelihood is modeled around 3517 Lincoln Ave, 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 wildfire likelihood modeled here |
|---|
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 756 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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