3920 Tracy Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3920 Tracy Ave, Covington, KY 41015 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1915
Square Footage	1,449 sqft Finished Area
Lot Size	0.092 acres
Occupancy	Owner Occupied
Last Sale	$221,000 (2025)
Tax Bill	$1,098.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`056-34-08-001.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,449 sqft Finished Area
Gross Area	1,825 sqft Gross Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1915
Exterior Material	Aluminum/Vinyl Exterior
Foundation Type	Block Foundation
Roof Material	Composition Shingle Roof
Lot Area	4,039 sqft
Depth X Width	100 ft x 40 ft Depth x Width
Parking Spaces	1 Parking Spaces

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number	0563408001.00
Street Address	3920 TRACY AVE
City	COVINGTON
State	KY
Zip	41015-1627
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SOUTH DINMORE PARK LOT 190 & S 1/2 191 40.39'X 100' IRREG ES TRACY AVE
Legal Subdivision	SOUTH DINMORE PARK
Legal Lot Number	190,191
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	1
Census Block	1014
Census Tract	61200

Owner

Source: Kenton County records · APN 056-34-08-001.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	3920 TRACY AVE, COVINGTON, KY 41015-1627
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	May 21, 2025 · Amount on Record
Deed Doc Number	25091705900084
Deed Book / Page	KC 363 / 845
Record Refreshed	Jun 08, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 17, 2025
Property Address	3920 TRACY AVE, COVINGTON, KY 41015-1627
Document Number	0005900084
Book / Page	KC 363 / 845
Instrument Date	Sep 12, 2025
Instrument	25091705900084
Transaction Type	Transfer
Record Updated	Oct 03, 2025
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3859 RICH RD, MORNING VIEW, KY 41063-9683

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3920 TRACY AVE, COVINGTON, KY 41015-1627

Mortgage

Document Number	0005900085
Date	Sep 17, 2025
Instrument	25091705900085

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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	$1,098.00 (-2.49%) Homeowner's exemption	$132,000 (-) Land $10,000 Building $122,000	$132,000 (-) Land $10,000 Building $122,000
2024	$1,126.00 (-1.23%) Homeowner's exemption	$132,000 (-) Land $10,000 Building $122,000	$132,000 (-) Land $10,000 Building $122,000
2023	$1,140.00 Homeowner's exemption	$132,000 Land $10,000 Building $122,000	$132,000 Land $10,000 Building $122,000

Flood & Wildfire

3920 Tracy Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release

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.