Kenton County property record for 4351 Vermont Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,016 sqft · built 1926 |
| Lot Size | 0.062 acres (2,725 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,000 (Sep 2020) |
| Tax Bill | $1,550 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-04-009.00 |
| Primary APN | 056-43-04-009.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,016 sqft Finished Area |
| Gross Area | 1,121 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,725 sqft (0.062 acres) |
| Lot Dimensions | 108 ft deep x 25 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 4351 VERMONT AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSEDALE LOT 2 25'X 108.88' IRREG WS VERMONT AVE |
| Legal Subdivision | ROSEDALE |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-43-04-009.00
Assessment roll updated December 2, 2025 · Last verified July 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 | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Sep 02, 2020 | Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI AMERICAN MTG SVC |
| Aug 02, 2019 | Warranty Deed, Transfer PHYLLIS ABBOTT |
| Aug 02, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 02, 2020 · Amount on Record |
| Deed Sale | Sep 02, 2020 · Amount on Record |
| Prior Sale | Aug 02, 2019 · Amount on Record |
| Deed Document Number | 20205900126 |
| Deed Book / Page | 41 / 215 |
| Prior Transfer Date | Jul 15, 2019 |
| Prior Transfer Doc | 0000000252 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0000000160 |
| Transaction Type | Mortgage |
| Record Updated | Dec 08, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4351 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
| Document Number | 0000000160 |
|---|---|
| Date | Nov 03, 2020 |
| Book Page | 00M119/000685 |
| Instrument | 160 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 02, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 02, 2020 |
| Property Address | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0000000126 |
| Book / Page | 000041 / 000215 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 126 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $117.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4351 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
| Document Number | M920321 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M92/000321 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 000M920321 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 4351 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
| Document Number | 000M920321 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M92/000321 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 02, 2019 |
| Property Address | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0000000253 |
| Book / Page | 0C6720 / 000278 |
| Instrument Date | Aug 01, 2019 |
| Instrument | 253 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $89.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4351 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
| Document Number | 254 |
|---|---|
| Date | Aug 02, 2019 |
| Book Page | 0C6720/000281 |
| Instrument | 254 |
| Name | PHYLLIS ABBOTT |
|---|---|
| Address | 147 BEEKIN DR, HILLSBORO, OH 45133-1529 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 02, 2019 |
| Property Address | 4351 VERMONT AVE, COVINGTON, KY 41015-1673 |
| Document Number | 0000000252 |
| Book / Page | 0C6720 / 000274 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 252 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4351 VERMONT AVE COVINGTON KY 410151673, COVINGTON, KY 41015-1673 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 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 | $1,550.00 (-0.51%) | $117,000 (-) Land $10,000 Building $107,000 | $117,000 (-) Land $10,000 Building $107,000 |
| 2023 | $1,558.00 | $117,000 Land $10,000 Building $107,000 | $117,000 Land $10,000 Building $107,000 |
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 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.
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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