4516 Carroll St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4516 Carroll St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 822 sqft · built 1960
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (May 2021)
Tax Bill	$2,052 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`056-40-00-008.00`

Property Details

APN / Parcel Number

Primary APN	`056-40-00-008.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	822 sqft Finished Area
Gross Area	897 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	4516 CARROLL ST
City	COVINGTON
State	KY
Zip	41015-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLKING LOT 18
Legal Subdivision	WOLKING
Legal Lot Number	18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
Census Tract	61200

Owner

Source: Kenton County assessment roll, APN 056-40-00-008.00, as of 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	4516 CARROLL ST, COVINGTON, KY 41015-1826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Jan 29, 2021
Deed Document Number	20215900013
Deed Book / Page	91 / 53
Prior Transfer Date	Jan 06, 2009
Prior Transfer Doc	0005900186
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 18, 2021
Property Address	4516 CARROLL ST, COVINGTON, KY 41015-1826
Document Number	0005900013
Book / Page	91 / 53
Instrument Date	May 07, 2021
Instrument	21051805900013
Transaction Type	Transfer
Record Updated	Jun 04, 2021
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 BEACON DR UNIT 8, 100, WILDER, KY 41076-2511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4516 CARROLL ST, COVINGTON, KY 41015-1826

Mortgage

Document Number	0005900014
Date	May 18, 2021
Instrument	21051805900014

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Kenton County assessment roll as of 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	$2,052.00 (-0.53%)	$154,900 (-) Land $10,000 Building $144,900	$154,900 (-) Land $10,000 Building $144,900
2023	$2,063.00	$154,900 Land $10,000 Building $144,900	$154,900 Land $10,000 Building $144,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire

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 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, 657 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

Drinking Water

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

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.