4430 Vermont Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4430 Vermont Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1926
Lot Size	0.068 acres (2,950 sqft)
Owner	Individual Name on File
Last Sale	$71,500 (Oct 2016)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-43-08-013.00`

Property Details

APN / Parcel Number

Primary APN	`056-43-08-013.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	984 sqft Finished Area
Gross Area	1,195 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	2,950 sqft (0.068 acres)
Lot Dimensions	118 ft deep x 25 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	4430 VERMONT AVE
City	COVINGTON
State	KY
Zip	41015-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H S & H LOT 61 25'X 118' ES VERMONT AVE
Legal Subdivision	HALL SANFORD & HALL
Legal Lot Number	61
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	61200

Owner

Source: Kenton County records · APN 056-43-08-013.00

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	Individual Name on File
Mailing Address	4430 VERMONT AVE, COVINGTON, KY 41015-1837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2016 · Amount on Record
Deed Sale	Oct 04, 2016 · Amount on Record
Prior Sale	Mar 28, 2016 · Amount on Record
Deed Document Number	201610 04 059 00335
Deed Book / Page	5999 / 127
Prior Transfer Date	Jul 06, 2008
Prior Transfer Doc	0005900229
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4430 VERMONT AVE, COVINGTON, KY 41015-1837
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900161
Date	Jun 04, 2021
Book Page	226/289
Instrument	21060405900161

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 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	$1,546.00 (-0.51%)	$116,700 (-) Land $10,000 Building $106,700	$116,700 (-) Land $10,000 Building $106,700
2023	$1,554.00	$116,700 Land $10,000 Building $106,700	$116,700 Land $10,000 Building $106,700

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.