3915 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3915 Tracy Ave, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,276 sqft · built 1921
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (May 2020)
Tax Bill	$1,709 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-34-07-018.00`

Property Details

APN / Parcel Number

Primary APN	`056-34-07-018.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,276 sqft Finished Area
Gross Area	1,788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3915 TRACY AVE
City	COVINGTON
State	KY
Zip	41015-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK LOT 186 & PT 185-187 45'X 100' WS TRACY AVE
Legal Subdivision	SOUTH DINMORE PARK
Legal Phase	7
Legal Lot Number	186,185
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	61200

Owner

Source: Kenton County records · APN 056-34-07-018.00

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	Individual Name on File
Mailing Address	3915 TRACY AVE, COVINGTON, KY 41015-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESID'L MTG
Mar 06, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage PNC BK NATL ASSN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Oct 23, 2000 · Amount on Record
Deed Document Number	20205900185
Deed Book / Page	22 / 618
Prior Transfer Date	Aug 02, 2018
Prior Transfer Doc	0005900189
Record Updated	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 21, 2020
Property Address	3915 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0000000185
Book / Page	000022 / 000618
Instrument Date	May 08, 2020
Instrument	185
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 TRACY AVE COVINGTON KY 410151626, COVINGTON, KY 41015-1626

Mortgage

Document Number	470133
Date	May 21, 2020
Book Page	000047/000133

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

March 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Mar 06, 2019
Property Address	3915 TRACY AVE, COVINGTON, KY 41015-1626
Document Number	0000000189
Book / Page	0C6613 / 000120
Instrument Date	Aug 02, 2018
Instrument	189
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	NATIONALLINK

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 TRACY AVE COVINGTON KY 410151626, COVINGTON, KY 41015-1626

Mortgage

Document Number	190
Date	Mar 06, 2019
Book Page	0C6613/000126
Instrument	190

Lender

Name	PNC BK NATL ASSN
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 05, 2049

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	$1,709.00 (-0.52%)	$129,000 (-) Land $10,000 Building $119,000	$129,000 (-) Land $10,000 Building $119,000
2023	$1,718.00	$129,000 Land $10,000 Building $119,000	$129,000 Land $10,000 Building $119,000

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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