Kenton County property record for 4316 Vermont Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,552 sqft · built 1909 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $150,300 (Jul 2021) |
| Tax Bill | $1,991 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Jul 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-06-016.00 |
| Primary APN | 056-43-06-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Finished Area |
| Gross Area | 1,943 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Area | 190 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4316 VERMONT AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE LOT 59 25'X 100' ES VERMONT AVE |
| Legal Subdivision | ROSEDALE |
| Legal Lot Number | 59 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-43-06-016.00
Assessment roll updated December 2, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2150 WYNDHAM WAY, UNION, KY 41091-7304 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed, Transfer |
| Jul 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Apr 29, 2021 | Deed, Transfer |
| Jun 22, 2017 | Deed of Trust, Mortgage · Line of Credit CINFED FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on Record |
| Deed Sale | Jul 22, 2021 · Amount on Record |
| Prior Sale | Apr 29, 2021 · Amount on Record |
| Deed Document Number | 20215900280 |
| Deed Book / Page | 106 / 68 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 16, 2022 |
| Property Address | 4316 VERMONT AVE, COVINGTON, KY 41015-1657 |
| Document Number | 0005900160 |
| Book / Page | 153 / 783 |
| Instrument Date | Mar 08, 2022 |
| Instrument | 22031605900160 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 WYNDHAM WAY, UNION, KY 41091-7304 |
| Name | Verified Name |
|---|---|
| Address | 2150 WYNDHAM WAY, UNION, KY 41091-7304 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 22, 2021 |
| Property Address | 4316 VERMONT AVE, COVINGTON, KY 41015-1657 |
| Document Number | 0005900280 |
| Book / Page | 106 / 68 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 21072205900280 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38 BLUEGRASS AVE, FORT THOMAS, KY 41075-1520 |
| Name | Verified Name |
|---|---|
| Address | 8805 GOVENORS HILL DRIVE, CINCINNATI, OH 45249-3314 |
| Document Number | 0005900294 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 248/151 |
| Instrument | 21072605900294 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 29, 2021 |
| Property Address | 4316 VERMONT AVE, COVINGTON, KY 41015-1657 |
| Document Number | 0005900057 |
| Book / Page | 87 / 371 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 21042905900057 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4316 VERMONT AVE, COVINGTON, KY 41015-1657 |
| Name | Verified Name |
|---|---|
| Address | 3505 COLUMBIA PKWY STE 125, 125, CINCINNATI, OH 45226-2188 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4316 VERMONT AVE, COVINGTON, KY 41015-1657 |
| Document Number | 0000000109 |
| Book / Page | 0C6196 / 000349 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4316 VERMONT AVE COVINGTON KY 410151657, COVINGTON, KY 41015-1657 |
| Document Number | 0000000109 |
|---|---|
| Date | Jul 07, 2017 |
| Book Page | 0C6196/000349 |
| Instrument | 109 |
| Name | CINFED FCU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 06, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,991.00 (-0.55%) | $150,300 (-) Land $10,000 Building $140,300 | $150,300 (-) Land $10,000 Building $140,300 |
| 2023 | $2,002.00 | $150,300 Land $10,000 Building $140,300 | $150,300 Land $10,000 Building $140,300 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 657 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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