3937 Winston Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3937 Winston Ave, Covington, KY 41015

Property Summary

Property Type	Bank, Financial Building
Details	4,328 sqft · built 1989
Lot Size	0.465 acres (20,255 sqft)
Owner	Company Name on File
Last Sale	$3,750,000 (Jun 2021)
Tax Bill	$17,225 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-14-11-005.02`

Property Details

APN / Parcel Number

Primary APN	`056-14-11-005.02`

Interior

Building Area	4,328 sqft Finished Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	20,255 sqft (0.465 acres)

Location & Zoning

Street Address	3937 WINSTON AVE
City	COVINGTON
State	KY
Zip	41015-1706
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	0.465 AC LEASED TO STAR BANK NWC 40TH & WINSTON AVE
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
Census Tract	61300

Owner

3937 Winston Ave, a commercial property, is owned by a company that bought it in June 2021.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	419 GREENUP ST, COVINGTON, KY 41011-2519
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Deed Document Number	20215900041
Deed Book / Page	99 / 812
Prior Transfer Date	Aug 13, 2010
Prior Transfer Doc	0005900057
Record Updated	Oct 29, 2026

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 24, 2021
Property Address	3937 WINSTON AVE, COVINGTON, KY 41015-1706
Document Number	0005900041
Book / Page	99 / 812
Instrument Date	Jun 18, 2021
Instrument	21062405900041
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4300 E 5TH AVE, 4300, COLUMBUS, OH 43219-1816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E 4TH ST, COVINGTON, KY 41011-1752

Mortgage

Document Number	0005900043
Date	Jun 24, 2021
Book Page	99/817
Instrument	21062405900043

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jun 14, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 3937 Winston Ave was $17,225.

Source: Kenton County assessment roll, as of December 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,300,000 (-) Land $180,000 Building $1,120,000	$1,300,000 (-) Land $180,000 Building $1,120,000
2025	$17,225.00	$1,300,000 Land $180,000 Building $1,120,000	$1,300,000 Land $180,000 Building $1,120,000
2023	$17,316.00	$1,300,000 Land $180,000 Building $1,120,000	$1,300,000 Land $180,000 Building $1,120,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3937 Winston Ave in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	16 (1978–2025)
Claims Outside the SFHA	5 of 16
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	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 · 4 claims

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.

Wildfire

The area around 3937 Winston Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20