Kenton County property record for 4321 Michigan Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,020 sqft · built 1926 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Nov 2023) |
| Tax Bill | $2,385 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-06-012.00 |
| Primary APN | 056-43-06-012.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,020 sqft Finished Area |
| Gross Area | 1,128 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4321 MICHIGAN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE LOT 83 25'X 100' WS MICHIGAN AVE |
| Legal Subdivision | ROSEDALE |
| Legal Lot Number | 83 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 61200 |
Source: Kenton County records, as of June 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 9, 2023 | Warranty Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY |
| Apr 25, 2023 | Deed, Transfer · Construction Mortgage EASY STREET CAPITAL INVESTMENTS LLC |
| Dec 18, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2023 · Amount on Record |
| Deed Sale | Nov 9, 2023 · Amount on Record |
| Prior Sale | Apr 25, 2023 · Amount on Record |
| Deed Document Number | 202369 |
| Deed Book / Page | 256 / 63 |
| Prior Transfer Date | Sep 7, 2010 |
| Prior Transfer Doc | 0005900173 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Document Number | 0005900099 |
|---|---|
| Date | Sep 23, 2025 |
| Book Page | KCM 689/620 |
| Instrument | 25092305900099 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 9, 2023 |
| Property Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Document Number | 0005900069 |
| Book / Page | KC 256 / 63 |
| Map Reference | MB 83 PG 641 |
| Instrument Date | Nov 6, 2023 |
| Instrument | 23110905900069 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| 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 | 1553 LINDEN CT, FLORENCE, KY 41042-1054 |
| Name | Verified Name |
|---|---|
| Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Document Number | 0005900070 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 23110905900070 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 25, 2023 |
| Property Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Document Number | 0005900116 |
| Book / Page | KC 223 / 770 |
| Map Reference | MB 83 PG 641 |
| Instrument Date | Apr 8, 2023 |
| Instrument | 23042505900116 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1481 SUNNETFIELD DR, FLORENCE, KY 41042 |
| Name | Verified Name |
|---|---|
| Address | 1553 LINDEN CT, FLORENCE, KY 41042-1054 |
| Document Number | 0005900117 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | KCM 456/294 |
| Instrument | 23042505900117 |
| Name | EASY STREET CAPITAL INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | AUSTIN, TX 78746 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 7 Months |
| Due | Nov 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 18, 2020 |
| Property Address | 4321 MICHIGAN AVE, COVINGTON, KY 41015-1654 |
| Document Number | 0000000168 |
| Book / Page | 00KC61 / 000671 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 168 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,385.00 (+298.16%) | $180,000 (+3%) Land $10,000 Building $170,000 | $180,000 (+3%) Land $10,000 Building $170,000 |
| 2023 | $599.00 (+22.75%) | $45,000 (+21.62%) Land $10,000 Building $35,000 | $45,000 (+21.62%) Land $10,000 Building $35,000 |
| 2022 | $488.00 | $37,000 Land $10,000 Building $27,000 | $37,000 Land $10,000 Building $27,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 657 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 |
| AT&T Fixed Wireless | 100 / 20 |
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