Kenton County property record for 3816 Park Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,630 sqft · built 1909 |
| Lot Size | 0.173 acres (7,550 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Jul 2024) |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jun 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-32-20-037.00 |
| Primary APN | 056-32-20-037.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,630 sqft Finished Area |
| Gross Area | 1,776 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,550 sqft (0.173 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3816 PARK AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H B & S LOTS 124-125 50'X 150.94' IRREG ES PARK AVE |
| Legal Subdivision | HALL BIRD & STEPHENS |
| Legal Lot Number | 124-125 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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.
3816 Park Ave is owned and occupied by an individual who bought it in July 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 6, 2017 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES |
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on File |
| Deed Sale | Jul 23, 2024 · Amount on File |
| Prior Sale | Nov 6, 2017 · Amount on File |
| Deed Document Number | 202430 |
| Deed Book / Page | 296 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Document Number | 0005900032 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 434/240 |
| Instrument | 23011305900032 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Document Number | 0005900120 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 376/425 |
| Instrument | 22060305900120 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 6, 2017 |
| Property Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Document Number | 0000000079 |
| Book / Page | 0C6287 / 000250 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 79 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3816 PARK AVE COVINGTON KY 410151551, COVINGTON, KY 41015-1551 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3816 PARK AVE, COVINGTON, KY 41015-1551 |
| Document Number | 0000000276 |
| Book / Page | 0C6325 / 000001 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3816 PARK AVE COVINGTON KY 410151551, COVINGTON, KY 41015-1551 |
| Document Number | 0000000276 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 0C6325/000001 |
| Instrument | 276 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 27, 2022 |
The 2025 property tax bill for 3816 Park Ave was $2,173.
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 | $164,000 (-) Land $15,000 Building $149,000 | $164,000 (-) Land $15,000 Building $149,000 | |
| 2025 | $2,173.00 | $164,000 Land $10,000 Building $154,000 | $164,000 Land $10,000 Building $154,000 |
| 2023 | $2,025.00 | $152,100 Land $10,000 Building $142,100 | $152,100 Land $10,000 Building $142,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3816 Park Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 3816 Park 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 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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