Kenton County property record for 4401 Michigan Ave, Covington, KY 41015 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1923 |
| Lot Size | 0.102 acres (4,446 sqft) |
| Owner | Individual Name on File |
| Last Sale | $32,000 (Nov 2017) |
| Tax Bill | $1,579 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Aug 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-08-002.00 |
| Primary APN | 056-43-08-002.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Finished Area |
| Gross Area | 1,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 4,446 sqft |
| Lot Dimensions | 117 ft deep x 38 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0564308002.00 |
|---|---|
| Street Address | 4401 MICHIGAN AVE |
| City | COVINGTON |
| State | KY |
| Zip | 41015-1834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H S & H LOT 92 & PT LOT 91 35'X 111.5' IRREG SWC 44TH & MICHIGAN |
| Legal Subdivision | HALL SANFORD & HALL |
| Legal Lot Number | 92,91 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-43-08-002.00
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 | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 03, 2023 | Deed of Trust, Mortgage · Conventional Mortgage VALLEY CENTRAL BANK |
| Aug 09, 2019 | Warranty Deed, Transfer · FHA Mortgage VALLEY CTRL BK |
| Jul 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Nov 20, 2017 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES |
| Oct 10, 2017 | Grant Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2017 · Amount on Record |
| Deed Sale | Nov 20, 2017 · Amount on Record |
| Prior Sale | Nov 20, 2017 · Amount on Record |
| Deed Document Number | 0000000089 |
| Deed Book / Page | 0C6297 / 000186 |
| Last Transfer Date | Aug 09, 2019 |
| Transfer Doc | 0000000123 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Document Number | 0005900164 |
|---|---|
| Date | Apr 03, 2023 |
| Book Page | KCM 450/972 |
| Instrument | 23040305900164 |
| Name | VALLEY CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 09, 2019 |
| Property Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Document Number | 0000000123 |
| Book / Page | 0C6727 / 000007 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 123 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2019 |
| Title Company | TECHNETITLE AGENCY, TECHNETITLE AGCY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4401 MICHIGAN AVE COVINGTON KY 410151834, COVINGTON, KY 41015-1834 |
| Document Number | 124 |
|---|---|
| Date | Aug 09, 2019 |
| Book Page | 0C6727/000010 |
| Instrument | 124 |
| Name | VALLEY CTRL BK |
|---|---|
| Address | READING, OH 45215 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 08, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Document Number | 0000000193 |
| Instrument Date | Jul 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4401 MICHIGAN AVE COVINGTON KY 410151834, COVINGTON, KY 41015-1834 |
| Document Number | 0000000193 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 0C6749/000222 |
| Instrument | 193 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 09, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 20, 2017 |
| Property Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Document Number | 0000000089 |
| Book / Page | 0C6297 / 000186 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 89 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2017 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $32.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12286 GAINES WAY WALTON KY 410949354, WALTON, KY 41094-9354 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 10, 2017 |
| Property Address | 4401 MICHIGAN AVE, COVINGTON, KY 41015-1834 |
| Document Number | 0000000246 |
| Book / Page | ORC626 / 000230 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 246 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $21.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5326 OAKCREST CT MILFORD OH 451508027, MILFORD, OH 45150-8027 |
| Investor | Possibly a Property Investor |
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 | $1,579.00 (-0.5%) | $119,200 (-) Land $10,000 Building $109,200 | $119,200 (-) Land $10,000 Building $109,200 |
| 2023 | $1,587.00 | $119,200 Land $10,000 Building $109,200 | $119,200 Land $10,000 Building $109,200 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 5% of the US · above 4% of Kentucky |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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