Kenton County property record for 3807 Locke St, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 756 sqft · built 1924 |
| Lot Size | 0.043 acres (1,872 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,000 (Jun 2022) |
| Tax Bill | $1,177 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-14-12-005.00 |
| Primary APN | 056-14-12-005.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 756 sqft Finished Area |
| Gross Area | 821 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 1,872 sqft (0.043 acres) |
| Lot Dimensions | 71.9 ft deep x 26.3 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3807 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 82 26.28'X 71.90' IRR WS LOCKE ST 107.4' S 38TH |
| Legal Subdivision | JONES G W |
| Legal Lot Number | 82 |
| 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 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.
3807 Locke St is owned and occupied by two individuals who bought it in June 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| 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.
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC |
| Jun 10, 2022 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Jan 20, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on File |
| Deed Sale | Jun 10, 2022 · Amount on File |
| Prior Sale | Jan 20, 2022 · Amount on File |
| Deed Document Number | 202221 |
| Deed Book / Page | 170 / 204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006290 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 407/55 |
| Instrument | 26059000006290 |
| Name | ADVANTAGEFIRST LENDING INC |
|---|---|
| Type | Lending Institution |
| Address | LAKE FOREST, CA 92630 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 10, 2022 |
| Property Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| Document Number | 0005900021 |
| Book / Page | 170 / 204 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 22061005900021 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5475 TAYLOR MILL RD, 5475, TAYLOR MILL, KY 41015-2267 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| Document Number | 0005900022 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 22061005900022 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 20, 2022 |
| Property Address | 3807 LOCKE ST, COVINGTON, KY 41015-1445 |
| Document Number | 0005900140 |
| Book / Page | 143 / 822 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 22012005900140 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $65.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 212 MAIN ST UNIT 321, 212, FLORENCE, KY 41042-2379 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5475 TAYLOR MILL RD, TAYLOR MILL, KY 41015-2267 |
The 2025 property tax bill for 3807 Locke St was $1,177 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 | $138,000 (-) Land $15,000 Building $123,000 | $138,000 (-) Land $15,000 Building $123,000 | |
| 2025 | $1,177.00 Homeowner's exemption | $138,000 Land $10,000 Building $128,000 | $138,000 Land $10,000 Building $128,000 |
| 2023 | $1,838.00 | $138,000 Land $10,000 Building $128,000 | $138,000 Land $10,000 Building $128,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3807 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 3807 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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