3903 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3903 Tracy Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,245 sqft · built 1923
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$82,000 (Oct 2001)
Tax Bill	$1,752 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-34-07-012.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-07-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,245 sqft Finished Area
Gross Area	1,397 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3903 TRACY AVE
City	COVINGTON
State	KY
Zip	41015-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK LOT 178 & PT 177 40'X 100' WS TRACY AVE
Legal Subdivision	SOUTH DINMORE PARK
Legal Lot Number	178,177
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	61200

Owner

Source: Kenton County records · APN 056-34-07-012.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3903 TRACY AVE, COVINGTON, KY 41015-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2001 · Amount on Record
Deed Sale	Oct 19, 2001 · Amount on Record
Last Transfer Date	Dec 09, 2009
Transfer Doc	0005900110
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3903 TRACY AVE, COVINGTON, KY 41015-1626
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30903 TRACY AVE, COVINGTON, KY 41015

Mortgage

Document Number	0005900232
Date	Jun 03, 2021
Book Page	225/294
Instrument	21060305900232

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	May 09, 2036

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,752.00 (-0.57%)	$132,300 (-) Land $10,000 Building $122,300	$132,300 (-) Land $10,000 Building $122,300
2023	$1,762.00	$132,300 Land $10,000 Building $122,300	$132,300 Land $10,000 Building $122,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 3 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 13 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 125 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.