T
Seller's Agent in 2026
The Treas Team
Huff Realty - Florence
(859) 525-5788
7 in this area
567 Total Sales
3161 Clifford Ave Covington, KY 41015
West Latonia Neighborhood
3
Beds
2
Baths
1,026
Sq Ft
5,319
Sq Ft Lot Lot
Highlights
- Open Floorplan
- Traditional Architecture
- No HOA
- Wood Burning Stove
- Wood Flooring
- Home Office
About This Home
As of May 2026100 percent Financing Available Through KY Housing! This immaculate, move-in-ready home has been beautifully remodeled and offers a perfect blend of character, updates, and functionality in a highly convenient Covington location just 4 miles from downtown Cincinnati. Featuring an open floor plan, ample natural light, and neutral décor, this home is designed for both everyday living and entertaining. Inside, you'll find new maintenance-free vinyl plank flooring, gleaming hardwood floors, fresh paint, and timeless details including original oversized woodwork, cased windows, wainscoting, beamed ceilings, and built-in cabinetry. The living space is highlighted by a brick fireplace and a pellet stove, offering additional efficient, off-the-grid heating options. The remodeled kitchen showcases two-tone cabinetry, a tiled backsplash, shiplap ceiling, and updated finishes that blend modern style with classic charm. The home also features custom tiled showers and a versatile first-floor study or bedroom with a private full bath, ideal for guests, remote work, or multigenerational living. Outdoor living includes a covered front porch, a flat fenced backyard, and an oversized driveway, along with a 2-car oversized garage perfect for storage, hobbies, or a workshop. The well-maintained basement provides excellent additional storage space. Located in a walkable area near restaurants, shopping, and everyday amenities, this home combines modern updates, original character, flexible living space, and exceptional financing options in one complete package.
Home Details
Home Type
- Single Family
Year Built
- Built in 1922
Lot Details
- 5,319 Sq Ft Lot
- Private Entrance
- Property is Fully Fenced
- Wood Fence
- Chain Link Fence
- Level Lot
- Cleared Lot
- Land Lease
Parking
- Detached Garage
- Oversized Parking
- Driveway
- On-Street Parking
- Off-Street Parking
Home Design
- Traditional Architecture
- Brick Exterior Construction
- Block Foundation
- Shingle Roof
- Vinyl Siding
Interior Spaces
- 2-Story Property
- Open Floorplan
- Built-In Features
- Chair Railings
- Woodwork
- Beamed Ceilings
- Ceiling Fan
- Chandelier
- Wood Burning Stove
- Brick Fireplace
- Vinyl Clad Windows
- Wood Frame Window
- French Doors
- Panel Doors
- Entryway
- Living Room
- Formal Dining Room
- Home Office
- Storage
- Laundry Room
- Basement
- Laundry in Basement
Kitchen
- Galley Kitchen
- Gas Range
- Microwave
- Dishwasher
- Utility Sink
Flooring
- Wood
- Laminate
- Concrete
- Ceramic Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- Walk-In Closet
- 2 Full Bathrooms
Outdoor Features
- Patio
- Porch
Schools
- Ninth District Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Cable TV Available
Community Details
- No Home Owners Association
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jul 29, 2022
Closed on
Aug 30, 2022
Sold by
Bought by
Seller's Agent
Laura Mullen
Huff Realty - Ft. Mitchell
Buyer's Agent
The Treas Team
Huff Realty - Florence
List Price
$199,000
Sold Price
$216,000
Premium/Discount to List
$17,000
8.54%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.22%
Original Mortgage
$194,400
Outstanding Balance
$184,380
Interest Rate
5.54%
Mortgage Type
New Conventional
Estimated Equity
$77,002
Purchase Details
Closed on
May 23, 2019
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$135,500
Interest Rate
4.1%
Mortgage Type
FHA
Purchase Details
Closed on
Nov 15, 1995
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$49,575
Interest Rate
7.54%
Mortgage Type
New Conventional
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Home Values in the Area
Average Home Value in this Area
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $216,000 | None Listed On Document | |
| Warranty Deed | $138,000 | Cosmopolitan Title Agcy Llc | |
| Deed | $52,200 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $194,400 | New Conventional | |
| Previous Owner | $135,500 | FHA | |
| Previous Owner | $49,575 | New Conventional |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 05/15/2026 05/15/26 | Sold | $282,500 | +6.6% | $275 / Sq Ft | |
| 04/17/2026 04/17/26 | Pending | -- | -- | -- | |
| 04/16/2026 04/16/26 | For Sale | $265,000 | +22.7% | $258 / Sq Ft | |
| 08/31/2022 08/31/22 | Sold | $216,000 | +8.5% | $211 / Sq Ft | View Prior Sale |
| 07/29/2022 07/29/22 | Pending | -- | -- | -- | |
| 07/29/2022 07/29/22 | For Sale | $199,000 | -- | $194 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $2,862 | $216,000 | $5,000 | $211,000 |
| 2024 | $2,840 | $216,000 | $5,000 | $211,000 |
| 2023 | $2,877 | $216,000 | $5,000 | $211,000 |
| 2022 | $2,308 | $172,500 | $5,000 | $167,500 |
| 2021 | $2,138 | $138,000 | $5,000 | $133,000 |
| 2020 | $2,127 | $138,000 | $5,000 | $133,000 |
| 2019 | $1,354 | $85,000 | $5,000 | $80,000 |
| 2018 | $1,381 | $85,000 | $5,000 | $80,000 |
| 2017 | $1,401 | $85,000 | $10,000 | $75,000 |
| 2015 | $1,721 | $85,000 | $10,000 | $75,000 |
| 2014 | $1,656 | $85,000 | $10,000 | $75,000 |
Source: Public Records
Agents Affiliated with this Home
-
The Treas Team
-
Michael Parker
Buyer's Agent in 2026
Michael Parker
Huff Realty - Florence
(859) 912-3205
3 in this area
560 Total Sales
-
Laura Mullen
Seller's Agent in 2022
Laura Mullen
Huff Realty - Ft. Mitchell
(859) 802-6111
5 in this area
65 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 641596
APN: 056-11-08-071.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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