Kenton County property record for 3915 Lincoln Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,136 sqft · built 1928 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2022) |
| Tax Bill | $2,186 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-32-11-010.00 |
| Primary APN | 056-32-11-010.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,136 sqft Finished Area |
| Gross Area | 1,716 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3915 LINCOLN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KRUSE J H RE-SUBD JONES BLK 2 N 17 2,3' LOT 41 & S 15 2,3' LOT 42 |
| Legal Subdivision | KRUSE J H RE-SUBD JONES |
| Legal Phase | 2 |
| Legal Block | 2 |
| Legal Lot Number | 41,42 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 61300 |
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.
3915 Lincoln Ave is owned and occupied by an individual who bought it in May 2022.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| May 19, 2022 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Oct 17, 2018 | Grant Deed, Transfer · Conventional with PMI NATIONS RELIABLE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2022 · Amount on File |
| Deed Sale | May 19, 2022 · Amount on File |
| Prior Sale | Oct 17, 2018 · Amount on File |
| Deed Document Number | 202280 |
| Deed Book / Page | 166 / 37 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Document Number | 0005900082 |
|---|---|
| Date | May 19, 2022 |
| Book Page | 371/686 |
| Instrument | 22051905900082 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 19, 2022 |
| Property Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Document Number | 0005900080 |
| Book / Page | 166 / 37 |
| Map Reference | MB 113 PG 640 |
| Instrument Date | May 12, 2022 |
| Instrument | 22051905900080 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 BROOKWOOD DR, 414, ALEXANDRIA, KY 41001-1359 |
| Name | Verified Name |
|---|---|
| Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Document Number | 0005900081 |
|---|---|
| Date | May 19, 2022 |
| Book Page | 371/671 |
| Instrument | 22051905900081 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 17, 2018 |
| Property Address | 3915 LINCOLN AVE, COVINGTON, KY 41015-1546 |
| Document Number | 0000000233 |
| Book / Page | 0C6526 / 000041 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 233 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $106.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3915 LINCOLN AVE COVINGTON KY 410151546, COVINGTON, KY 41015-1546 |
| Document Number | 234 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 0C6526/000043 |
| Instrument | 234 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77098 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2048 |
The 2025 property tax bill for 3915 Lincoln Ave was $2,186.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $165,000 (-) Land $15,000 Building $150,000 | $165,000 (-) Land $15,000 Building $150,000 | |
| 2025 | $2,186.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
| 2023 | $2,197.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3915 Lincoln Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3915 Lincoln Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 756 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 · 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 |
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