3912 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3912 Tracy Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 964 sqft · built 1909
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$87,500 (Nov 2020)
Tax Bill	$1,159 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jul 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-34-08-005.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-08-005.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	964 sqft Finished Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,450 sqft (0.079 acres)
Lot Dimensions	100 ft deep x 34.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3912 TRACY AVE
City	COVINGTON
State	KY
Zip	41015-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK LOT 196 & S 7' 197 & N 2.5' LOT 195 34.5'X 100' ES TRACY AVE
Legal Subdivision	SOUTH DINMORE PARK
Legal Phase	7
Legal Lot Number	196,195
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	61200

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

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 Record	2 Individual Names on Record
Mailing Address	3912 TRACY AVE, COVINGTON, KY 41015-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LNDG
Jul 13, 2018	Grant Deed, Transfer · Line of Credit HERITAGE BK
Jul 7, 2017	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	20205900132
Deed Book / Page	52 / 725
Prior Transfer Date	Jan 29, 2004
Prior Transfer Doc	0206059001
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2020
Property Address	3912 TRACY AVE, COVINGTON, KY 41015-1627
Document Number	0000000132
Book / Page	000052 / 000725
Instrument Date	Oct 29, 2020
Instrument	132
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627

Mortgage

Document Number	133
Date	Nov 2, 2020
Book Page	00M119/000203
Instrument	133

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 13, 2018
Property Address	3912 TRACY AVE, COVINGTON, KY 41015-1627
Document Number	0000000070
Book / Page	0C6452 / 000091
Instrument Date	Jul 6, 2018
Instrument	70
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627

Mortgage

Document Number	72
Date	Jul 13, 2018
Book Page	0C6452/000094
Instrument	72

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 12, 2028

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 7, 2017
Property Address	3912 TRACY AVE, COVINGTON, KY 41015-1627
Document Number	0000000136
Book / Page	006197 / 000007
Instrument Date	Jun 30, 2017
Instrument	136
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627

Mortgage

Document Number	137
Date	Jul 7, 2017
Book Page	ORC619/000010
Instrument	137

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2047

Mortgage

Document Number	138,
Date	Jul 7, 2017
Book Page	0C6197/000025
Instrument	138

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 6, 2027

Tax Assessment & Valuation

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		$87,500 (-) Land $15,000 Building $72,500	$87,500 (-) Land $15,000 Building $72,500
2025	$1,159.00 (-0.52%)	$87,500 (-) Land $10,000 Building $77,500	$87,500 (-) Land $10,000 Building $77,500
2023	$1,165.00	$87,500 Land $10,000 Building $77,500	$87,500 Land $10,000 Building $77,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 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 · 13 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

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 125 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

3912 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Tracy Ave

Nearby Streets

Search Property Records by Address or Parcel Number