Kenton County property record for 4331 Vermont Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,292 sqft · built 1928 |
| Lot Size | 0.069 acres (3,044 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Mar 2025) |
| Tax Bill | $1,258 (2025) |
| Deeds & Mortgages | Apr 2023 Construction Loan Dec 2022 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-04-002.00 |
| Primary APN | 056-43-04-002.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,292 sqft Finished Area |
| Gross Area | 1,432 sqft |
| Year Built | Built 1928 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,044 sqft |
| Lot Dimensions | 81 ft deep x 37 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0564304002.00 |
|---|---|
| Street Address | 4331 VERMONT AVE |
| City | COVINGTON |
| State | KY |
| Zip | 41015-1673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE PT LOTS 11-12 37.5'X 81.16' IRR SWC VERMONT & ELMWOOD |
| Legal Subdivision | ROSEDALE |
| Legal Lot Number | 11,12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-43-04-002.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12075 JOCKEY CLUB DR, UNION, KY 41091-7599 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC |
| Dec 19, 2022 | Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC |
| Mar 05, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2025 · Amount on Record |
| Deed Sale | Mar 20, 2025 · Amount on Record |
| Prior Sale | Dec 19, 2022 · Amount on Record |
| Deed Document Number | 0000205949 |
| Deed Book / Page | 205 / 949 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4331 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Title Company | NORWEST TITLE, NORTHWEST TITLE |
| Name | Verified Name |
|---|---|
| Address | 12075 JOCKEY CLUB DR, UNION, KY 41091-7599 |
| Document Number | 0005900001 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | KCM 453/312 |
| Instrument | 23041205900001 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94104 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 19, 2022 |
| Property Address | 4331 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0005900270 |
| Book / Page | 205 / 949 |
| Map Reference | PL 249 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 22121905900270 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3320 NORTHWAY DR, ERLANGER, KY 41018-2834 |
| Name | Verified Name |
|---|---|
| Address | 12075 JOCKEY CLUB DR, UNION, KY 41091-7599 |
| Document Number | 0005900271 |
|---|---|
| Date | Dec 19, 2022 |
| Book Page | 429/278 |
| Instrument | 22121905900271 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15212 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 05, 2018 |
| Property Address | 4331 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0000000215 |
| Book / Page | 0C6365 / 000177 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 215 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2018 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $83.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4331 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
| Document Number | 216 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 0C6365/000181 |
| Instrument | 216 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2048 |
| Document Number | 217, |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 0C6365/000195 |
| Instrument | 217 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Mar 04, 2023 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| 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 | $1,258.00 (-0.55%) | $95,000 (-) Land $10,000 Building $85,000 | $95,000 (-) Land $10,000 Building $85,000 |
| 2023 | $1,265.00 | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
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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