Kenton County property record for 3801 Locke St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,854 sqft · built 1925 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $73,000 (Jan 1999) |
| Tax Bill | $1,120 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-14-12-002.00 |
| Primary APN | 056-14-12-002.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,854 sqft Finished Area |
| Gross Area | 1,926 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 1,742 sqft (0.04 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3801 LOCKE ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JONES G W PT LOT 83 |
| Legal Subdivision | JONES G W |
| Legal Lot Number | 83 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 61300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ritte's Corner Historic District, Latonia listed 1987 · 30 contributing resources · NRIS 87000776 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
3801 Locke St is owned and occupied by two individuals who bought it in January 1999.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 15066, COVINGTON, KY 41015-0066 |
| Occupancy | Owner Occupied |
| 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 | Jan 11, 1999 · Amount on File |
| Deed Sale | Jan 11, 1999 · Amount on File |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3801 Locke St was $1,120 with a homeowner's exemption.
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 | $159,000 (+18.92%) Land $15,000 Building $144,000 | $159,000 (+18.92%) Land $15,000 Building $144,000 | |
| 2025 | $1,120.00 Homeowner's exemption | $133,700 Land $10,000 Building $123,700 | $133,700 Land $10,000 Building $123,700 |
| 2023 | $1,162.00 Homeowner's exemption | $133,700 Land $10,000 Building $123,700 | $133,700 Land $10,000 Building $123,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3801 Locke 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 3801 Locke 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 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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