Kenton County property record for 4462 Urlage Ct, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,822 sqft · built 2006 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $238,500 (Sep 2020) |
| Tax Bill | $2,363 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-10-01-266.01 |
| Primary APN | 045-10-01-266.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,822 sqft Finished Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0451001266.01 |
|---|---|
| Street Address | 4462 URLAGE CT |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOWLER RIDGE SEC 13 LOT 266A |
| Legal Subdivision | FOWLER RIDGE |
| Legal Phase | 13 |
| Legal Lot Number | 266A |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 66801 |
Source: Kenton County assessment roll, APN 045-10-01-266.01, as of 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 | Individual Name on File |
|---|---|
| Mailing Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Nov 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| May 25, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 02, 2020 | Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG |
| Feb 25, 2019 | Grant Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 02, 2020 · Amount on Record |
| Deed Sale | Sep 02, 2020 · Amount on Record |
| Prior Sale | Feb 25, 2019 · Amount on Record |
| Deed Document Number | 0000041266 |
| Deed Book / Page | 41 / 266 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Transaction Type | Mortgage |
| Record Updated | Oct 03, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4462 URLAGE CT, FORT MITCHELL, KY 41017-9216 |
| Document Number | 0005900039 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | KCM 687/531 |
| Instrument | 25091605900039 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4462 URLAGE CT, FORT MITCHELL, KY 41017-9216 |
| Document Number | 0005900142 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | KCM 507/631 |
| Instrument | 23111605900142 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4462 URLANGE CT, FORT MITCHELL, KY 41017-9216 |
| Document Number | 0005900037 |
|---|---|
| Date | May 25, 2023 |
| Book Page | KCM 463/872 |
| Instrument | 23052505900037 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900050 |
|---|---|
| Date | Oct 11, 2022 |
| Book Page | 413/851 |
| Instrument | 22101105900050 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 02, 2020 |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Document Number | 0000000187 |
| Book / Page | 000041 / 000266 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 187 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2020 |
| Title Company | PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $239.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4462 URLAGE CT COVINGTON KY 410179216, COVINGTON, KY 41017-9216 |
| Document Number | M920557 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M92/000557 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2030 |
| Document Number | 188, |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M92/000540 |
| Instrument | 188 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Document Number | 000M920557 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4462 URLAGE CT COVINGTON KY 410179216, COVINGTON, KY 41017-9216 |
| Document Number | 000M920557 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M92/000557 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 01, 2030 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 25, 2019 |
| Property Address | 4462 URLAGE CT, COVINGTON, KY 41017-9216 |
| Document Number | 0000000039 |
| Book / Page | 0I4228 / 000139 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 39 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $188.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4462 URLAGE CT COVINGTON KY 410179216, COVINGTON, KY 41017-9216 |
| Document Number | 40 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 0I4228/000142 |
| Instrument | 40 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2049 |
Source: Kenton County assessment roll as of April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County 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 | $2,363.00 (-7.04%) | $238,500 (-) Land $15,000 Building $223,500 | $238,500 (-) Land $15,000 Building $223,500 |
| 2023 | $2,542.00 | $238,500 Land $15,000 Building $223,500 | $238,500 Land $15,000 Building $223,500 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170668012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, 148 locations within half a mile, 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 |
Source: EPA Safe Drinking Water Information System, water system KY0590220, 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 |
| 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.
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