4432 Vermont Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4432 Vermont Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,736 sqft · built 1930
Lot Size	0.135 acres (5,900 sqft)
Owner	2 Owner Names on File
Last Sale	$39,900 (Jan 2006)
Tax Bill	$515 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-43-08-012.00`

Property Details

APN / Parcel Number

Primary APN	`056-43-08-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,736 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	5,900 sqft (0.135 acres)
Lot Dimensions	118 ft deep x 50 ft wide
Garage Type	Detached
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	0564308012.00
Street Address	4432 VERMONT AVE
City	COVINGTON
State	KY
Zip	41015-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H S & H LOTS 59-60 50'X 118' NEC VERMONT & BALTIMORE AVES
Legal Subdivision	HALL SANFORD & HALL
Legal Lot Number	59-60 60
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	61200

Owner

Source: Kenton County records · APN 056-43-08-012.00

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	2 Owner Names on File
Mailing Address	4432 VERMONT AVE, COVINGTON, KY 41015-1837
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 13, 2006 · Amount on Record
Deed Sale	Jan 13, 2006 · Amount on Record
Prior Sale	Oct 21, 2005 · Amount on Record
Deed Document Number	0000288865
Deed Book / Page	2888 / 65
Record Updated	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4432 VERMONT AVE, COVINGTON, KY 41015-1837
Document Number	0000000172
Instrument Date	Mar 02, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 VERMONT AVE COVINGTON KY 410151837, COVINGTON, KY 41015-1837

Mortgage

Document Number	0000000172
Date	Apr 08, 2020
Book Page	000029/000951
Instrument	172

Lender

Name	TRUST BK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 07, 2045

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	$515.00 (-7.04%) Homeowner's exemption	$88,000 (-) Land $10,000 Building $78,000	$88,000 (-) Land $10,000 Building $78,000
2023	$554.00 Homeowner's exemption	$88,000 Land $10,000 Building $78,000	$88,000 Land $10,000 Building $78,000

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.