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3908 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3908 Tracy Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,090 sqft · built 1917
Lot Size0.073 acres (3,200 sqft)
OwnerIndividual Name on File
Last Sale$99,000 (Aug 2007)
Tax Bill$1,783 (2025)
Deeds & MortgagesSep 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN056-34-08-007.00

Property Details

APN / Parcel Number

Primary APN056-34-08-007.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,090 sqft Finished Area
Gross Area1,410 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1917
Effective Year BuiltEffective 1917
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area3,200 sqft (0.073 acres)
Lot Dimensions100 ft deep x 32 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address3908 TRACY AVE
CityCOVINGTON
StateKY
Zip41015-1627
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTH DINMORE PARK LOT 200 & N 4' 199 & S 3' LOT 201 32'X 100' ES TRACY AVE
Legal SubdivisionSOUTH DINMORE PARK
Legal Phase1
Legal Lot Number200,199
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1014
Census Tract61200

Owner

Source: Kenton County records · APN 056-34-08-007.00

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 RecordIndividual Name on File
Mailing Address3908 TRACY AVE, COVINGTON, KY 41015-1627
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 07, 2007 · Amount on Record
Deed SaleAug 07, 2007 · Amount on Record
Deed Document Number200708 07 059 00150
Deed Book / Page3468 / 138
Prior Transfer DateJul 31, 2007
Prior Transfer Doc0005900150
Record UpdatedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3908 TRACY AVE, COVINGTON, KY 41015-1627
Transaction TypeMortgage
Record UpdatedSep 29, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900017
DateSep 17, 2021
Book Page272/173
Instrument21091705900017
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,783.00 (-0.5%)$134,600 (-) Land $10,000 Building $124,600$134,600 (-) Land $10,000 Building $124,600
2023$1,792.00$134,600 Land $10,000 Building $124,600$134,600 Land $10,000 Building $124,600

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims22 (1993–2025)
Claims Outside the SFHA4 of 22
Most Recent ClaimApr 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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 DistrictWithin 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

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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