3823 Lincoln Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3823 Lincoln Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,602 sqft · built 1923
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Sep 2022)
Tax Bill	$2,484 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-32-10-009.00`

Property Details

APN / Parcel Number

Primary APN	`056-32-10-009.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,602 sqft Finished Area
Gross Area	1,945 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	76 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3823 LINCOLN AVE
City	COVINGTON
State	KY
Zip	41015-1568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JONES G W PT LOT 117 40'X 76.80'X 53.80'X 112.30' NWC 39TH & LINCOLN
Legal Subdivision	JONES G W
Legal Block	5
Legal Lot Number	117
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1020
Census Tract	61300

Historic Designation

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.

Owner

3823 Lincoln Ave is owned and occupied by an individual who bought it in September 2022.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3823 LINCOLN AVE, COVINGTON, KY 41015-1568
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	May 28, 2010 · Amount on File
Deed Document Number	202299
Deed Book / Page	192 / 387
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 29, 2022
Property Address	3823 LINCOLN AVE, COVINGTON, KY 41015-1568
Document Number	0005900099
Book / Page	192 / 387
Map Reference	PL 128
Instrument Date	Sep 26, 2022
Instrument	22092905900099
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10742 CEARIAKE WAY, 10742, NICHOLSON, KY 41051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3823 LINCOLN AVE, COVINGTON, KY 41015-1568

Mortgage

Document Number	0005900100
Date	Sep 29, 2022
Book Page	410/723
Instrument	22092905900100

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3823 Lincoln Ave was $2,484.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,500 (-) Land $15,000 Building $172,500	$187,500 (-) Land $15,000 Building $172,500
2025	$2,484.00	$187,500 Land $10,000 Building $177,500	$187,500 Land $10,000 Building $177,500
2023	$2,497.00	$187,500 Land $10,000 Building $177,500	$187,500 Land $10,000 Building $177,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3823 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.

Wildfire

The area around 3823 Lincoln 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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