1. Home
  2. Kentucky
  3. Kenton County
  4. Covington
  5. Winston Ave

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

Kenton County property record for 3908 Winston Ave, Covington, KY 41015

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details1 ba · 3,584 sqft · built 1923
Lot Size0.149 acres (6,500 sqft)
OwnerCompany Name on Record
Last Sale$180,000 (Mar 2020)
Tax Bill$4,240 (2025)
Deeds & MortgagesAug 2020 Construction Loan
Mar 2020 Sale
Flood ZoneZone X (minimal risk)
APN056-14-13-025.00

Property Details

APN / Parcel Number

Primary APN056-14-13-025.00

Interior

Units2 Units
Building Area3,584 sqft Finished Area

Exterior

Lot Area6,500 sqft (0.149 acres)
Lot Dimensions200 ft deep x 32.5 ft wide

Location & Zoning

Street Address3908 WINSTON AVE
CityCOVINGTON
StateKY
Zip41015-1708
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionHEDGERS RESUB LOT 8 32.5'X 200' ES WINSTON AVE
Legal SubdivisionHEDGERS RESUB
Legal Lot Number8
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1023
Census Tract61300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address2608 LEGACY RDG, FLORENCE, KY 41042-7899
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2020Deed of Trust, Construction Loan · Construction Mortgage
HERITAGE BK
Mar 19, 2020Grant Deed, Transfer
KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 19, 2020 · Amount on Record
Deed SaleMar 19, 2020 · Amount on Record
Prior SaleAug 27, 2003 · Amount on Record
Deed Document Number20205900450
Deed Book / Page12 / 980
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionKENTON KY
Recording DateAug 24, 2020
Property Address3908 WINSTON AVE, COVINGTON, KY 41015-1708
Document Number0000000194
Book / Page000M87 / 000450
Instrument DateAug 17, 2020
Instrument194
Transaction TypeConstruction Loan
Record UpdatedSep 18, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3954 TURKEYFOOT RD ERLANGER KY 410182840, ERLANGER, KY 41018-2840

Mortgage

Document Number0000000194
DateAug 24, 2020
Book Page000M87/000450
Instrument194
Lender
NameHERITAGE BK
TypeBank
AddressLATONIA, KY 41015
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term120 Months
DueAug 23, 2030

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateMar 19, 2020
Property Address3908 WINSTON AVE, COVINGTON, KY 41015-1708
Document Number0000000450
Book / Page000012 / 000980
Instrument DateMar 17, 2020
Instrument450
Transaction TypeTransfer
Record UpdatedMay 29, 2020
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

AmountAmount Recorded
Tax$180.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1735 HAUBNER RD CALIFORNIA KY 410078733, CALIFORNIA, KY 41007-8733

Tax Assessment & Valuation

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$320,000 (-) Land $30,000 Building $290,000$320,000 (-) Land $30,000 Building $290,000
2025$4,240.00 (-0.52%)$320,000 (-) Land $30,000 Building $290,000$320,000 (-) Land $30,000 Building $290,000
2023$4,262.00$320,000 Land $30,000 Building $290,000$320,000 Land $30,000 Building $290,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Nearby Properties on Winston Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures