4509 Carroll St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4509 Carroll St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1961
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on Record
Last Sale	$120,000 (Jun 2025)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2026 Sale + 4 more
Flood Zone	Zone X (moderate risk)
APN	`056-40-00-004.00`

Property Details

APN / Parcel Number

Primary APN	`056-40-00-004.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Finished Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	116 ft deep x 58 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4509 CARROLL ST
City	COVINGTON
State	KY
Zip	41015-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLKING LOT 31 & TRNG STP REAR & PT CLOSED WOLKING AVE
Legal Subdivision	WOLKING
Legal Lot Number	31
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1010
Census Tract	61200

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2000 N CLASSEN BLVD, 3200, OKLAHOMA CITY, OK 73106-6034
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Sep 4, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 1, 2019	Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK
Feb 26, 2019	Quit Claim Deed, Transfer AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I
Feb 26, 2019	Quit Claim Deed, Transfer AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I
Dec 15, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	2025168
Deed Book / Page	345 / 972
Prior Transfer Date	Mar 28, 2018
Prior Transfer Doc	0000000138
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 CARROLL ST, COVINGTON, KY 41015-1825

Mortgage

Document Number	0005900067
Date	Jan 29, 2024
Book Page	KCM 522/755
Instrument	24012905900067

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2064

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 4, 2026
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000020333
Book / Page	493 / 452
Instrument Date	Aug 6, 2025
Instrument	202620333
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 1, 2019
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000033
Book / Page	00C671 / 000084
Instrument Date	Jul 30, 2019
Instrument	33
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 E 39TH ST COVINGTON KY 410151425, COVINGTON, KY 41015-1425

Mortgage

Document Number	34
Date	Aug 1, 2019
Book Page	0C6719/000088
Instrument	34

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 26, 2019
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000137
Book / Page	0C6606 / 000299
Instrument Date	Nov 1, 2018
Instrument	137
Transaction Type	Transfer
Record Updated	Mar 8, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	13626 GLYNSHEL DR WINTER GARDEN FL 347875000, WINTER GARDEN, FL 34787-5000

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 26, 2019
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000138
Book / Page	0C6606 / 000308
Instrument Date	Mar 28, 2018
Instrument	138
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13626 GLYNSHEL DR WINTER GARDEN FL 347875000, WINTER GARDEN, FL 34787-5000

December 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Dec 15, 2017
Property Address	4509 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000120
Book / Page	0C6316 / 000166
Instrument Date	Feb 14, 2017
Instrument	120
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 CARROLL ST COVINGTON KY 410151825, COVINGTON, KY 41015-1825

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,000 (-) Land $15,000 Building $145,000	$160,000 (-) Land $15,000 Building $145,000
2025	$2,120.00 (-0.52%)	$160,000 (-) Land $10,000 Building $150,000	$160,000 (-) Land $10,000 Building $150,000
2023	$2,131.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 657 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

4509 Carroll St, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2026: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Carroll St

Nearby Streets

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