4431 Vermont Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4431 Vermont Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 1904
Lot Size	0.176 acres (7,670 sqft)
Owner	Owner Name on File
Last Sale	$98,000 (Sep 2014)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-43-05-011.00`

Property Details

APN / Parcel Number

Primary APN	`056-43-05-011.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,950 sqft Finished Area
Gross Area	2,542 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	7,670 sqft (0.176 acres)
Lot Dimensions	118 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0564305011.00
Street Address	4431 VERMONT AVE
City	COVINGTON
State	KY
Zip	41015-1836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H S & H LOTS 41-42 & PT LOT 43 65'X 118' NWC VERMONT & BALTIMORE AVES
Legal Subdivision	HALL SANFORD & HALL
Legal Lot Number	42,43 42
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	61200

Owner

Source: Kenton County records · APN 056-43-05-011.00

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	Owner Name on File
Mailing Address	4431 VERMONT AVE, COVINGTON, KY 41015-1836
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 08, 2014 · Amount on Record
Deed Sale	Sep 08, 2014 · Amount on Record
Prior Sale	Mar 25, 2010 · Amount on Record
Deed Document Number	0000549041
Deed Book / Page	5490 / 41
Record Updated	Jun 08, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4431 VERMONT AVE, COVINGTON, KY 41015-1836
Document Number	0000000217
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 02, 2019
Title Company	SOUTHWEST FINANCIAL, SWF

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4431 VERMONT AVE COVINGTON KY 410151836, COVINGTON, KY 41015-1836

Mortgage

Document Number	0000000217
Date	Jul 18, 2019
Book Page	0C6707/000176
Instrument	217

Lender

Name	PNC BK
Type	Bank
Address	COLD SPRING, KY 41076

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$1,779.00 (-0.5%)	$134,300 (-) Land $10,000 Building $124,300	$134,300 (-) Land $10,000 Building $124,300
2023	$1,788.00	$134,300 Land $10,000 Building $124,300	$134,300 Land $10,000 Building $124,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	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 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.