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4422 Michigan Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4422 Michigan Ave, Covington, KY 41015 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,165 sqft · built 1925
Lot Size0.105 acres (4,606 sqft)
OwnerIndividual Name on File
Last Sale$135,000 (Oct 2021)
Tax Bill$1,788 (2025)
Deeds & MortgagesDec 2021 Mortgage
Oct 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN056-43-10-023.00

Property Details

APN / Parcel Number

Primary APN056-43-10-023.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,165 sqft Finished Area
Gross Area1,449 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Exterior MaterialBrick
Foundation TypeStone
Roof MaterialComposition Shingle
Lot Area4,606 sqft (0.105 acres)
Lot Dimensions85.3 ft deep x 54 ft wide
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0564310023.00
Street Address4422 MICHIGAN AVE
CityCOVINGTON
StateKY
Zip41015-1835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionH S & H PT LOTS 93-94-95-96 54'X 85.3' NEC BALTIMORE & MICHIGAN
Legal SubdivisionHALL SANFORD & HALL
Legal Phase6
Legal Lot Number93,94
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1008
Census Tract61200

Owner

Source: Kenton County records · APN 056-43-10-023.00

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 RecordIndividual Name on File
Mailing Address4422 MICHIGAN AVE, COVINGTON, KY 41015-1835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 21, 2021Deed of Trust, Mortgage
CITY OF COVINGTON
Oct 26, 2021Warranty Deed, Transfer · FHA Mortgage
AMERICAN MORTGAGE SERVICE CO
Mar 13, 2017Warranty Deed, Transfer · Conventional with PMI
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 26, 2021 · Amount on Record
Deed SaleOct 26, 2021 · Amount on Record
Prior SaleMar 13, 2017 · Amount on Record
Deed Document Number0000126613
Deed Book / Page126 / 613
Record UpdatedJun 08, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address4422 MICHIGAN AVE, COVINGTON, KY 41015-1835
Transaction TypeMortgage
Record UpdatedJan 06, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900130
DateDec 21, 2021
Book Page316/237
Instrument21122105900130
Lender
NameCITY OF COVINGTON
TypeGovernment Agency
AddressCOVINGTON, KY 41011
Agreement
AmountAmount Recorded
Term58 Months
DueOct 12, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 26, 2021
Property Address4422 MICHIGAN AVE, COVINGTON, KY 41015-1835
Document Number0005900136
Book / Page126 / 613
Instrument DateOct 15, 2021
Instrument21102605900136
Transaction TypeTransfer
Record UpdatedNov 10, 2021
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$135.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address619 RIFLE RANGE RD, 619, ALEXANDRIA, KY 41001-8249

Transferred To (Grantee/Buyer)

NameVerified Name
Address4422 MICHIGAN AVE, COVINGTON, KY 41015-1835

Mortgage

Document Number0005900137
DateOct 26, 2021
Instrument21102605900137
Lender
NameAMERICAN MORTGAGE SERVICE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 13, 2017
Property Address4422 MICHIGAN AVE, COVINGTON, KY 41015-1835
Document Number0000000239
Book / Page0C6114 / 000314
Instrument DateMar 06, 2017
Instrument239
Transaction TypeTransfer
Record UpdatedAug 18, 2018
Title CompanyLAWYERS TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$77.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4809 FRANKFORT KY 406044809, FRANKFORT, KY 40604-4809

Mortgage

Document Number242
DateMar 13, 2017
Book Page0C6114/000319
Instrument242
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeMortgage Company
AddressCINCINNATI, OH 45247
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 12, 2047

Mortgage

Document Number244,
DateMar 13, 2017
Book Page0C6114/000336
Instrument244
Lender
NameKENTUCKY HSNG
AddressFRANKLIN, KY 40601
Agreement
AmountAmount Recorded
Term60 Months
DueMar 12, 2022

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,788.00 (-0.56%)$135,000 (-) Land $10,000 Building $125,000$135,000 (-) Land $10,000 Building $125,000
2023$1,798.00$135,000 Land $10,000 Building $125,000$135,000 Land $10,000 Building $125,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
11 of 12 on primary residences
Nearby Flood Claims22 (1993–2025)
Claims Outside the SFHA4 of 22
Most Recent ClaimApr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Flood Events
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides (Apr 2025), 4 claims
  • Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides (Feb 2018), 3 claims
  • Severe Storm, Flooding, And Tornadoes (Mar 1997), 13 claims

Wildfire

Wildfire RiskLow
above 5% of the US · above 4% of Kentucky
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
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.

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