Kenton County property record for 3808 Tracy Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,500 sqft · built 1922 |
| Lot Size | 0.007 acres (300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2023) |
| Tax Bill | $2,385 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jul 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-34-04-013.00 |
| Primary APN | 056-34-04-013.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Finished Area |
| Gross Area | 1,752 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Lot Area | 300 sqft (0.007 acres) |
| Lot Dimensions | 100 ft deep x 3 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3808 TRACY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S DINMORE SUB LOT 209 & 8 1,3' LOT 210 33 1,3'X 100' ES TRACY 94' S 38TH |
| Legal Subdivision | SOUTH DINMORE PARK |
| Legal Lot Number | 209,210 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 61200 |
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.
3808 Tracy Ave is owned and occupied by two individuals who bought it in July 2023.
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3808 TRACY AVE, COVINGTON, KY 41015-1676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Jul 2, 2018 | Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Dec 5, 2017 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on File |
| Deed Sale | Jul 3, 2023 · Amount on File |
| Prior Sale | Jul 2, 2018 · Amount on File |
| Deed Document Number | 20233 |
| Deed Book / Page | 233 / 721 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 3, 2023 |
| Property Address | 3808 TRACY AVE, COVINGTON, KY 41015-1676 |
| Document Number | 0005900003 |
| Book / Page | KC 233 / 721 |
| Map Reference | MB 115 PG 640 |
| Instrument Date | Jun 27, 2023 |
| Instrument | 23070305900003 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| 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 | 6426 BRAWLEY ANN DR, CHARLOTTE, NC 28215-0502 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3808 TRACY AVE, COVINGTON, KY 41015-1676 |
| Document Number | 0005900004 |
|---|---|
| Date | Jul 3, 2023 |
| Book Page | KCM 473/144 |
| Instrument | 23070305900004 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 2, 2018 |
| Property Address | 3808 TRACY AVE, COVINGTON, KY 41015-1676 |
| Document Number | 0000000236 |
| Book / Page | 0C6444 / 000157 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 236 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2018 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3808 TRACY AVE COVINGTON KY 410151676, COVINGTON, KY 41015-1676 |
| Document Number | 237 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 0C6444/000161 |
| Instrument | 237 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Number | 238, |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 0C6444/000176 |
| Instrument | 238 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Jul 1, 2028 |
| Rate | 12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 5, 2017 |
| Property Address | 3808 TRACY AVE, COVINGTON, KY 41015-1676 |
| Document Number | 0000000094 |
| Book / Page | ORC630 / 000237 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 94 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $37.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2832 MACK RD FAIRFIELD OH 450145130, FAIRFIELD, OH 45014-5130 |
The 2025 property tax bill for 3808 Tracy Ave was $2,385.
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 | $180,000 (-) Land $15,000 Building $165,000 | $180,000 (-) Land $15,000 Building $165,000 | |
| 2025 | $2,385.00 | $180,000 Land $10,000 Building $170,000 | $180,000 Land $10,000 Building $170,000 |
| 2023 | $1,401.00 | $105,200 Land $10,000 Building $95,200 | $105,200 Land $10,000 Building $95,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3808 Tracy Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 22 (1993–2025) |
| Claims Outside the SFHA | 4 of 22 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 3808 Tracy Ave 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 125 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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