Kenton County property record for 3914 Tracy Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1924 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,500 (Jan 2019) |
| Tax Bill | $1,458 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jan 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-34-08-004.00 |
| Primary APN | 056-34-08-004.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Finished Area |
| Gross Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Lot Dimensions | 100 ft deep x 35 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3914 TRACY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH DINMORE PARK S 22.5' LOT 195 & N 12.5' LOT 194 35'X 100' ES TRACY AVE |
| Legal Subdivision | SOUTH DINMORE PARK |
| Legal Lot Number | 194,19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-34-08-004.00
Assessment roll updated December 2, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3914 TRACY AVE, COVINGTON, KY 41015-1627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 02, 2019 | Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK |
| Dec 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Jun 14, 2017 | Deed of Trust, Mortgage · Conventional with PMI COMMUNITY VENTURES CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2019 · Amount on Record |
| Deed Sale | Jan 02, 2019 · Amount on Record |
| Prior Sale | Oct 27, 2016 · Amount on Record |
| Deed Document Number | 201901 02 059 00146 |
| Deed Book / Page | 6574 / 3 |
| Prior Transfer Date | May 31, 2016 |
| Prior Transfer Doc | 0000000129 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3914 TRACY AVE, COVINGTON, KY 41015-1627 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2022 |
| Title Company | ATS |
| Name | Verified Name |
|---|
| Document Number | 0005900009 |
|---|---|
| Date | Mar 02, 2022 |
| Book Page | 342/850 |
| Instrument | 22030205900009 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 02, 2019 |
| Property Address | 3914 TRACY AVE, COVINGTON, KY 41015-1627 |
| Document Number | 0C65740003 |
| Book / Page | 0C6574 / 000003 |
| Instrument Date | Dec 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $81.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3914 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627 |
| Document Number | C65740006 |
|---|---|
| Date | Jan 02, 2019 |
| Book Page | 0C6574/000006 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3914 TRACY AVE, COVINGTON, KY 41015-1627 |
| Document Number | 0000000148 |
| Instrument Date | Dec 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Name | Verified Name |
|---|---|
| Address | 3914 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627 |
| Document Number | 0000000148 |
|---|---|
| Date | Feb 08, 2019 |
| Book Page | 0C6596/000292 |
| Instrument | 148 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 07, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3914 TRACY AVE, COVINGTON, KY 41015-1627 |
| Document Number | 0000000078 |
| Book / Page | 006222 / 000068 |
| Instrument Date | Jun 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3914 TRACY AVE COVINGTON KY 410151627, COVINGTON, KY 41015-1627 |
| Document Number | 0000000078 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | 006222/000068 |
| Instrument | 78 |
| Name | COMMUNITY VENTURES CORP |
|---|---|
| Address | 1450 N BROADWAY, LEXINGTON, KY 40505-3162 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 09, 2022 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
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 | $1,458.00 (-0.55%) | $110,100 (-) Land $10,000 Building $100,100 | $110,100 (-) Land $10,000 Building $100,100 |
| 2023 | $1,466.00 | $110,100 Land $10,000 Building $100,100 | $110,100 Land $10,000 Building $100,100 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (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 |
Based on FCC filings for 125 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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