227 W 4th St, Covington, KY 41011 Property Records

Kenton County property record for 227 W 4th St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 2,235 sqft
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on File
Last Sale	$52,000 (Mar 2024)
Tax Bill	$6,890 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-07-001.01`

Property Details

APN / Parcel Number

Primary APN	`054-21-07-001.01`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,235 sqft Finished Area
Gross Area	2,566 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Area	210 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	227 W 4TH ST
City	COVINGTON
State	KY
Zip	41011-1429
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	JOHNSON & RUSSELL BLK 16 PT LOT 8 25'X 100'
Legal Subdivision	JOHNSON & RUSSELL
Legal Phase	16
Legal Block	16
Legal Lot Number	8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2007
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

227 W 4th St, a duplex, is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	227 W 4TH ST, COVINGTON, KY 41011-1429
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 19, 2024	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Dec 9, 2022	Deed of Trust, Mortgage EC WAVE PROPERTIES LLC
Sep 7, 2022	Warranty Deed, Transfer · Line of Credit MMX LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2024 · Amount on File
Deed Sale	Mar 19, 2024 · Amount on File
Prior Sale	Sep 7, 2022 · Amount on File
Deed Document Number	202453
Deed Book / Page	275 / 109
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 19, 2024
Property Address	227 W 4TH ST, COVINGTON, KY 41011-1429
Document Number	0005900053
Book / Page	KC 275 / 109
Instrument Date	Mar 12, 2024
Instrument	24031905900053
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	227 W 4TH ST, COVINGTON, KY 41011-1429

Mortgage

Document Number	0005900054
Date	Mar 19, 2024
Book Page	KCM 533/605
Instrument	24031905900054

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	227 W 4TH ST, COVINGTON, KY 41011-1429
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1131 AUDUBON RD, PARK HILLS, KY 41011-1901

Mortgage

Document Number	0005900088
Date	Dec 9, 2022
Book Page	427/299
Instrument	22120905900088

Lender

Name	EC WAVE PROPERTIES LLC
Type	Non-Lending Institution
Address	NICEVILLE, FL 32578

Agreement

Amount	Amount on Record
Term	8 Months
Due	Aug 26, 2023

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 7, 2022
Property Address	227 W 4TH ST, COVINGTON, KY 41011-1429
Document Number	0005900016
Book / Page	188 / 423
Instrument Date	Aug 26, 2022
Instrument	22090705900016
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 MADISON AVE, COVINGTON, KY 41011-2388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1131 AUDUBON RD, PARK HILLS, KY 41011-1901

Mortgage

Document Number	0005900017
Date	Sep 7, 2022
Instrument	22090705900017

Lender

Name	MMX LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Aug 23, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 227 W 4th St was $6,890.

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		$520,000 (-) Land $15,000 Building $505,000	$520,000 (-) Land $15,000 Building $505,000
2025	$6,890.00	$520,000 Land $15,000 Building $505,000	$520,000 Land $15,000 Building $505,000
2023	$3,929.00	$295,000 Land $15,000 Building $280,000	$295,000 Land $15,000 Building $280,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 227 W 4th St in Zone X, an area of minimal flood risk, though there have been 3 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	3 in force
Nearby Flood Claims	3 (1978–2025)
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 · 2 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

Wildfire risk around 227 W 4th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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