3913 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3913 Tracy Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,290 sqft · built 1909
Lot Size	0.069 acres (3,000 sqft)
Owner	2 Individual Names on File
Last Sale	$137,500 (Jun 2022)
Tax Bill	$1,821 (2025)
Deeds & Mortgages	Feb 2024 Transfer Jun 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`056-34-07-017.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-07-017.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,290 sqft Finished Area
Gross Area	1,395 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Garage Type	Basement
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	3913 TRACY AVE
City	COVINGTON
State	KY
Zip	41015-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK S 20' 184 & N 10' 185 30'X 100' WS TRACY AVE
Legal Subdivision	SOUTH DINMORE PARK
Legal Lot Number	184,18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	61200

Owner

Source: Kenton County records · APN 056-34-07-017.00

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	2 Individual Names on File
Mailing Address	10400 GIACOMO CT, UNION, KY 41091-1110
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2024	Intrafamily Transfer, Transfer
Jun 08, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit PEARL WALTER LLC
Feb 17, 2021	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC
Jan 27, 2021	Grant Deed, Transfer ATTORNEY ONLY
Jun 02, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 25, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2022 · Amount on Record
Deed Sale	Jun 08, 2022 · Amount on Record
Prior Sale	Feb 17, 2021 · Amount on Record
Deed Document Number	2022238
Deed Book / Page	170 / 14
Last Transfer Date	Feb 02, 2024
Transfer Doc	0005900074
Record Updated	Jun 08, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 09, 2024
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0005900074
Book / Page	KC 269 / 14
Map Reference	PL 300
Instrument Date	Feb 02, 2024
Instrument	24020905900074
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10400 GIACOMO CT, UNION, KY 41091-1110

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3913 TRACY AVE, COVINGTON, KY 41015-1626

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 08, 2022
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0005900238
Book / Page	170 / 14
Map Reference	PL 300
Instrument Date	May 12, 2022
Instrument	22060805900238
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10400 GIACOMO COURT, 10400, COVINGTON, KY 41015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11120 WAR ADMIRAL DR, UNION, KY 41091-2504

Mortgage

Document Number	0005900239
Date	Jun 08, 2022
Instrument	22060805900239

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900177
Date	Feb 10, 2021
Book Page	166/719
Instrument	21021005900177

Lender

Name	PEARL WALTER LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	0 Months
Due	Feb 27, 2021

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2021
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0005900027
Book / Page	72 / 201
Map Reference	PL 300
Instrument Date	Feb 11, 2021
Instrument	21021705900027
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2552 BYRNESIDE DR, 2552, CINCINNATI, OH 45239-5639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3913 TRACY AVE, COVINGTON, KY 41015-1626

Mortgage

Document Number	0005900028
Date	Feb 17, 2021
Book Page	167/912
Instrument	21021705900028

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 27, 2021
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0000000058
Book / Page	000068 / 000416
Instrument Date	Jan 14, 2021
Instrument	58
Transaction Type	Transfer
Record Updated	Apr 20, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$51.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2552 BYRNESIDE DR CINCINNATI OH 452395639, CINCINNATI, OH 45239-5639

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 02, 2020
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0000000092
Book / Page	000024 / 000159
Instrument Date	Jan 02, 2020
Instrument	92
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	3913 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0000000166
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Dec 07, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3913 TRACY AVE COVINGTON KY 410151626, COVINGTON, KY 41015-1626

Mortgage

Document Number	0000000166
Date	Nov 28, 2018
Book Page	006553/000135
Instrument	166

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Interest

Rate	4.75%

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	$1,821.00 (-0.55%)	$137,500 (-) Land $10,000 Building $127,500	$137,500 (-) Land $10,000 Building $127,500
2023	$1,831.00	$137,500 Land $10,000 Building $127,500	$137,500 Land $10,000 Building $127,500

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.

Mobile Coverage

5G and 4G LTE

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