Kenton County property record for 4 Waterside Way, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 864 sqft · built 1960 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $235,000 (Apr 2022) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-092.00 |
| Primary APN | 045-30-00-092.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 864 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 175 ft deep x 130 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 4 WATERSIDE WAY |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 4 LOT 320 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 4 |
| Legal Lot Number | 320 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66801 |
Source: Kenton County assessment roll, as of December 2, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 4 WATERSIDE WAY, COVINGTON, KY 41017-9733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Jul 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage L&N FCU |
| Aug 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI L&N FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Prior Sale | Jul 21, 2021 · Amount on Record |
| Deed Document Number | 2022176 |
| Deed Book / Page | 162 / 114 |
| Prior Transfer Date | Jan 17, 2004 |
| Prior Transfer Doc | 0I12470231 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 27, 2022 |
| Property Address | 4 WATERSIDE WAY, COVINGTON, KY 41017-9733 |
| Document Number | 0005900176 |
| Book / Page | 162 / 114 |
| Map Reference | MB 19 PG 2 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 22042705900176 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10625 ANNA LN, 10625, INDEPENDENCE, KY 41051-2505 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4 WATERSIDE WAY, COVINGTON, KY 41017-9733 |
| Document Number | 0005900177 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 365/141 |
| Instrument | 22042705900177 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2021 |
| Property Address | 4 WATERSIDE WAY, COVINGTON, KY 41017-9733 |
| Document Number | 0005900018 |
| Book / Page | 105 / 264 |
| Map Reference | MB 19 PG 21 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 21072105900018 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2021 |
| Title Company | ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $117.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 WATERSIDE WAY, 4, COVINGTON, KY 41017-9733 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 TRIPOLI LN, COVINGTON, KY 41017-9744 |
| Document Number | 0005900019 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 245/260 |
| Instrument | 21072105900019 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Aug 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | Other |
| Margin | 4 |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4 WATERSIDE WAY, COVINGTON, KY 41017-9733 |
| Document Number | 0000000062 |
| Instrument Date | Aug 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 4 WATERSIDE WAY COVINGTON KY 410179733, COVINGTON, KY 41017-9733 |
| Document Number | 0000000062 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 0I4158/000278 |
| Instrument | 62 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,328.00 (-7.07%) | $235,000 (-) Land $10,000 Building $225,000 | $235,000 (-) Land $10,000 Building $225,000 |
| 2023 | $2,505.00 | $235,000 Land $10,000 Building $225,000 | $235,000 Land $10,000 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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