4344 Vermont Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4344 Vermont Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,800 sqft · built 1928
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (May 2026)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-43-07-005.00`

Property Details

APN / Parcel Number

Primary APN	`056-43-07-005.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,800 sqft Finished Area
Gross Area	1,908 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
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	4344 VERMONT AVE
City	COVINGTON
State	KY
Zip	41015-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEDALE LOTS 44-45 50'X 100' ES VERMONT AVE
Legal Subdivision	ROSEDALE
Legal Lot Number	44-45
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2019
Census Tract	61200

Owner

Source: Kenton County records · APN 056-43-07-005.00

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address	427 DELTA AVE, C1-13, CINCINNATI, OH 45226-1199
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed, Transfer · Conventional Mortgage REPUBLIC BANK AND TRUST COMPANY
Mar 18, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION SAVINGS BANK
Jan 22, 2018	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC
Jul 25, 2017	Grant Deed, Transfer SPRINGDALE TITLE LLC
Mar 07, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	202605139892
Deed Book / Page	430 / 282
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	May 13, 2026
Property Address	4344 VERMONT AVE, COVINGTON, KY 41015-1657
Document Number	0000009892
Book / Page	430 / 282
Instrument Date	May 04, 2026
Instrument	20269892
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$25,239.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009893,
Date	May 13, 2026
Instrument	202605139893

Lender

Name	REPUBLIC BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000009894,
Date	May 13, 2026
Book Page	430/304
Instrument	20269894

Lender

Name	REPUBLIC BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	20 Months
Due	Jun 01, 2046

Interest

Rate	6.46%
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 18, 2021
Property Address	4344 VERMONT AVE, COVINGTON, KY 41015-1657
Document Number	0005900221
Book / Page	78 / 571
Map Reference	PL 248
Instrument Date	Mar 05, 2021
Instrument	21031805900221
Transaction Type	Transfer
Record Updated	Jan 05, 2024
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4344 VERMONT AVE, COVINGTON, KY 41015-1657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4344 VERMONT AVENUE #108 # 108, 108, CINCINNATI, OH 45215-2046

Mortgage

Document Number	0005900001
Date	Mar 22, 2021
Book Page	186/637
Instrument	21032205900001

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 22, 2018
Property Address	4344 VERMONT AVE, COVINGTON, KY 41015-1657
Document Number	0000000249
Book / Page	0C6338 / 000293
Instrument Date	Jan 17, 2018
Instrument	249
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4344 VERMONT AVE COVINGTON KY 410151657, COVINGTON, KY 41015-1657

Mortgage

Document Number	250
Date	Jan 22, 2018
Book Page	0C6338/000297
Instrument	250

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2048

Mortgage

Document Number	251,
Date	Jan 22, 2018
Book Page	0C6338/000312
Instrument	251

Lender

Name	KENTUCKY HSNG
Address	FRANKFORD, KY 40601

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 21, 2023

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 25, 2017
Property Address	4344 VERMONT AVE, COVINGTON, KY 41015-1657
Document Number	0000000070
Book / Page	006209 / 000112
Instrument Date	Jul 13, 2017
Instrument	70
Transaction Type	Transfer
Record Updated	Aug 08, 2017
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$48.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3675 TAMBER RIDGE DR COVINGTON KY 410152499, COVINGTON, KY 41015-2499

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 07, 2017
Property Address	4344 VERMONT AVE, COVINGTON, KY 41015-1657
Document Number	0000000001
Book / Page	0C6109 / 000292
Instrument Date	Feb 13, 2017
Instrument	1
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8200 JONES BARNCH DR MAILSTOP MCLEAN VA 22102, MCLEAN, VA 22102
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

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

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	$2,345.00 (-0.51%)	$177,000 (-) Land $10,000 Building $167,000	$177,000 (-) Land $10,000 Building $167,000
2023	$2,357.00	$177,000 Land $10,000 Building $167,000	$177,000 Land $10,000 Building $167,000

Flood & Wildfire

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

Flood

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

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 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.

Internet Providers

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.

Drinking Water

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

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 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.

4344 Vermont Ave, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2026: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

Interest

March 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

July 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Vermont Ave

Nearby Streets

Search Property Records by Address or Parcel Number