Seller's Agent in 2026
Kaylee Frohloff
Pivot Realty Group
(513) 642-1884
1 in this area
28 Total Sales
3905 Locke St Covington, KY 41015
West Latonia NeighborhoodEstimated Value: $242,321 - $254,000
3
Beds
1.5
Baths
1,605
Sq Ft
$155/Sq Ft
Est. Value
Highlights
- Deck
- No HOA
- Stainless Steel Appliances
- Traditional Architecture
- Formal Dining Room
- Wood Frame Window
About This Home
As of February 2026Welcome home to this wonderfully maintained 3-bedroom property that blends comfort and charming character. Inside, you'll find a spacious second living room addition, perfect for relaxing, entertaining, or creating a cozy retreat. The fully fenced, generous yard offers plenty of space for gatherings, play, or quiet outdoor enjoyment, while off-street parking adds everyday convenience. A quirky, finished attic provides a unique bonus space ideal for a reading nook or creative studio. With its inviting layout and standout features, this home offers both functionality and personality, ready to welcome you home. Sellers are even offering a home warranty from Achosa!
Last Agent to Sell the Property
Pivot Realty Group License #276620 Listed on: 01/08/2026
Home Details
Home Type
- Single Family
Year Built
- Built in 1920
Lot Details
- 5,250 Sq Ft Lot
- Lot Dimensions are 50 x 105
- Privacy Fence
- Wood Fence
- Land Lease
Home Design
- Traditional Architecture
- Brick Exterior Construction
- Stone Foundation
- Shingle Roof
Interior Spaces
- 1,605 Sq Ft Home
- 3-Story Property
- Woodwork
- Crown Molding
- Wood Burning Fireplace
- Brick Fireplace
- Wood Frame Window
- Aluminum Window Frames
- Entryway
- Family Room
- Living Room
- Formal Dining Room
- Storage In Attic
- Electric Dryer Hookup
Kitchen
- Gas Oven
- Dishwasher
- Stainless Steel Appliances
Bedrooms and Bathrooms
- 3 Bedrooms
Unfinished Basement
- Basement Fills Entire Space Under The House
- Laundry in Basement
Parking
- Driveway
- Off-Street Parking
Outdoor Features
- Deck
- Exterior Lighting
Schools
- Latonia Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Window Unit Cooling System
- Hot Water Heating System
- Cable TV Available
Community Details
- No Home Owners Association
Listing and Financial Details
- Home warranty included in the sale of the property
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
Jan 8, 2026
Closed on
Feb 9, 2026
Sold by
Bought by
Seller's Agent
Kaylee Frohloff
Pivot Realty Group
Buyer's Agent
Janell Stuckwisch
eXp Realty, LLC - Janell
List Price
$245,900
Sold Price
$250,000
Premium/Discount to List
$4,100
1.67%
Views
19
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$1,920
Avg. Annual Appreciation
-2.24%
Original Mortgage
$225,000
Outstanding Balance
$224,779
Interest Rate
6.06%
Mortgage Type
New Conventional
Estimated Equity
$23,301
Purchase Details
Closed on
Jun 14, 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
$155,138
Interest Rate
4.4%
Mortgage Type
FHA
Purchase Details
Closed on
May 5, 2016
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
$132,456
Interest Rate
3.75%
Mortgage Type
FHA
Purchase Details
Closed on
Mar 5, 2010
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
$96,000
Interest Rate
4.97%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Apr 22, 2006
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
$93,450
Interest Rate
8.75%
Mortgage Type
Fannie Mae Freddie Mac
Purchase Details
Closed on
Mar 5, 2004
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
$115,684
Interest Rate
5.68%
Mortgage Type
FHA
Purchase Details
Closed on
Oct 20, 2000
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
$63,500
Interest Rate
7.96%
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 | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $250,000 | Kentucky Land Title | ||
| $158,000 | Agility Closing & Title Svcs | ||
| $134,900 | Attorney | ||
| $120,000 | None Available | ||
| $133,500 | Kentucky Land Title Agency | ||
| $117,500 | Ati Title Agency | ||
| $98,000 | -- |
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 | Borrower | Loan Amount |
|---|---|---|---|
| Open | $225,000 | ||
| Previous Owner | $155,138 | ||
| Previous Owner | $132,456 | ||
| Previous Owner | $96,000 | ||
| Previous Owner | $93,450 | ||
| Previous Owner | $115,684 | ||
| Previous Owner | $63,500 |
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 |
|---|---|---|---|---|
| 02/20/2026 02/20/26 | Sold | $250,000 | +1.7% | $156 / Sq Ft |
| 01/11/2026 01/11/26 | Pending | -- | -- | -- |
| 01/08/2026 01/08/26 | For Sale | $245,900 | -- | $153 / 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 | $2,226 | $168,000 | $10,000 | $158,000 |
| 2024 | $2,209 | $168,000 | $10,000 | $158,000 |
| 2023 | $2,238 | $168,000 | $10,000 | $158,000 |
| 2022 | $2,219 | $168,000 | $10,000 | $158,000 |
| 2021 | $3,002 | $158,000 | $10,000 | $148,000 |
| 2020 | $2,425 | $158,000 | $10,000 | $148,000 |
| 2019 | $2,105 | $134,900 | $10,000 | $124,900 |
| 2018 | $2,148 | $134,900 | $10,000 | $124,900 |
| 2017 | $2,179 | $134,900 | $10,000 | $124,900 |
| 2015 | $2,454 | $120,000 | $10,000 | $110,000 |
| 2014 | $2,313 | $120,000 | $10,000 | $110,000 |
Source: Public Records
Agents Affiliated with this Home
-
Kaylee Frohloff
-
Janell Stuckwisch
Buyer's Agent in 2026
Janell Stuckwisch
eXp Realty, LLC - Janell
(859) 992-1602
2 in this area
274 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 639061
APN: 056-14-13-008.00
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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