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

Kenton County property record for 3903 Winston Ave, Covington, KY 41015

Property Summary

Property TypeFast Food Restaurant
Details3,935 sqft · built 1999
Lot Size0.806 acres (35,109 sqft)
OwnerCompany Name on File
Last Sale$1,533,333 (Jan 2022)
Tax Bill$20,316 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jan 2022 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN056-14-11-005.01

Property Details

APN / Parcel Number

Primary APN056-14-11-005.01

Interior

Building Area3,935 sqft Finished Area

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Lot Area35,109 sqft (0.806 acres)

Location & Zoning

Street Address3903 WINSTON AVE
CityLATONIA
StateKY
Zip41015
Property CategoryCommercial
Property TypeCommercial > Retail > Fast Food Restaurant
Legal Description.806 ACS LEASED TO MCDONALDS CORP ADJ AMERICAN LEGION 38TH & WINSTON
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3001
Census Tract61300

Owner

3903 Winston Ave, a commercial property, is owned by a company that bought it in January 2022.

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

Owner of RecordCompany Name on File
Mailing Address419 GREENUP ST, COVINGTON, KY 41011-2519
Owner TypeCompany
VestingCompany

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

DateDocument
Nov 5, 2021Deed of Trust, Mortgage · Unknown
CIVISTA BANK
Jan 4, 2022Special Warranty Deed, Transfer
Jun 24, 2021Special Warranty Deed, Transfer · Commercial Mortgage
CIVISTA BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 4, 2022 · Amount on File
Deed SaleJan 4, 2022 · Amount on File
Prior SaleJun 24, 2021 · Amount on File
Deed Document Number20225900032
Deed Book / Page140 / 38
Prior Transfer DateAug 13, 2010
Prior Transfer Doc0005900057
Record UpdatedOct 29, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3903 WINSTON AVE, COVINGTON, KY 41015
Transaction TypeMortgage
Record UpdatedAug 10, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900032
DateNov 5, 2021
Book Page296/943
Instrument21110505900032
Lender
NameCIVISTA BANK
TypeBank
AddressSANDUSKY, OH 44870
Agreement
TypeUnknown
AmountAmount on Record
Term83 Months
DueOct 1, 2028

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKENTON KY
Recording DateJan 4, 2022
Property Address3903 WINSTON AVE, COVINGTON, KY 41015
Document Number0005900032
Book / Page140 / 38
Instrument DateDec 13, 2021
Instrument22010405900032
Transaction TypeTransfer
Record UpdatedAug 10, 2022

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address121 E 4TH ST, 121, COVINGTON, KY 41011-1752

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 182571, COLUMBUS, OH 43218-2571
Mail Care OfMCDONALDS CORPORATION
InvestorPossibly a Property Investor

June 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKENTON KY
Recording DateJun 24, 2021
Property Address3903 WINSTON AVE, COVINGTON, KY 41015
Document Number0005900041
Book / Page99 / 812
Instrument DateJun 18, 2021
Instrument21062405900041
Transaction TypeTransfer
Record UpdatedAug 10, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address4300 E 5TH AVE, 4300, COLUMBUS, OH 43219-1816

Transferred To (Grantee/Buyer)

NameVerified Name
Address121 E 4TH ST, COVINGTON, KY 41011-1752

Mortgage

Document Number0005900043
DateJun 24, 2021
Book Page99/817
Instrument21062405900043
Lender
NameCIVISTA BANK
TypeBank
AddressSANDUSKY, OH 44870
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term24 Months
DueJun 14, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 3903 Winston Ave was $20,316.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,533,300 (-) Land $84,000 Building $1,449,300$1,533,300 (-) Land $84,000 Building $1,449,300
2025$20,316.00$1,533,300 Land $84,000 Building $1,449,300$1,533,300 Land $84,000 Building $1,449,300
2023$20,423.00$1,533,300 Land $84,000 Building $1,449,300$1,533,300 Land $84,000 Building $1,449,300

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

Flood

FEMA maps place 3903 Winston Ave in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims16 (1978–2025)
Claims Outside the SFHA5 of 16
Most Recent ClaimApr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event
  • 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 · 4 claims

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.

Wildfire

The area around 3903 Winston 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 RiskNot 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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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