Kenton County property record for 4420 Michigan Ave, Covington, KY 41015 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1926 |
| Lot Size | 0.069 acres (2,997 sqft) |
| Owner | Company Name on File |
| Last Sale | $162,500 (Sep 2025) |
| Tax Bill | $1,457 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-10-022.00 |
| Primary APN | 056-43-10-022.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Finished Area |
| Gross Area | 1,404 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 2,997 sqft (0.069 acres) |
| Lot Dimensions | 74 ft deep x 40.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4420 MICHIGAN AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H S & H PT LOTS 96-97 40.5'X 74' ES MICHIGAN 85' N BALTIMORE |
| Legal Subdivision | HALL SANFORD & HALL |
| Legal Lot Number | 96,97 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 61200 |
Source: Kenton County records · APN 056-43-10-022.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 11211 POND CREEK RD, ALEXANDRIA, KY 41001-7646 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Dec 24, 2025 | Deed of Trust, Mortgage · Commercial Mortgage MOFIN LENDING CORPORATION |
| Sep 24, 2025 | Warranty Deed, Transfer |
| Sep 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage VICTORY MORTGAGE LLC |
| May 27, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on Record |
| Deed Sale | Sep 24, 2025 · Amount on Record |
| Prior Sale | Jul 26, 2023 · Amount on Record |
| Deed Document Number | 202564 |
| Deed Book / Page | 365 / 123 |
| Prior Transfer Date | Dec 30, 2012 |
| Prior Transfer Doc | 0005900114 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005900082 |
|---|---|
| Date | Dec 24, 2025 |
| Book Page | KCM 720/734 |
| Instrument | 25122405900082 |
| Name | MOFIN LENDING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | DELRAY BEACH, FL 33483 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 24, 2025 |
| Property Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Document Number | 0005900064 |
| Book / Page | KC 365 / 123 |
| Map Reference | PL 197 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 25092405900064 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 567 SAVANNAH DR, WALTON, KY 41094-7431 |
| Name | Verified Name |
|---|---|
| Address | 11211 POND CREEK RD, ALEXANDRIA, KY 41001-7646 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 12, 2022 |
| Property Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Document Number | 0005900208 |
| Book / Page | 189 / 540 |
| Map Reference | PL 197 |
| Instrument Date | Sep 09, 2022 |
| Instrument | 22091205900208 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 837 DEERVALLEY DR, 837, CINCINNATI, OH 45245-1146 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Document Number | 0005900209 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 22091205900209 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 27, 2022 |
| Property Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Document Number | 0005900114 |
| Book / Page | 167 / 802 |
| Map Reference | PL 197 |
| Instrument Date | May 12, 2022 |
| Instrument | 22052705900114 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 837 DEERVALLEY DR, 837, CINCINNATI, OH 45245-1146 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 837 DEERVALLEY DR, CINCINNATI, OH 45245-1146 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4420 MICHIGAN AVE, COVINGTON, KY 41015-1835 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 837 DEERVALLEY DR, CINCINNATI, OH 45245-1146 |
| Document Number | 0005900190 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 180/967 |
| Instrument | 21031005900190 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 261 Months |
| Due | Dec 01, 2042 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 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 | $1,457.00 (+0.76%) | $110,000 (-) Land $10,000 Building $100,000 | $110,000 (-) Land $10,000 Building $100,000 |
| 2024 | $1,446.00 (-1.3%) | $110,000 (-) Land $10,000 Building $100,000 | $110,000 (-) Land $10,000 Building $100,000 |
| 2023 | $1,465.00 | $110,000 Land $10,000 Building $100,000 | $110,000 Land $10,000 Building $100,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 12 individual NFIP policies nearby |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 22 (1993–2025) |
| Claims Outside the SFHA | 4 of 22 |
| Most Recent Claim | Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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