4523 Carroll St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4523 Carroll St, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,287 sqft · built 1938
Lot Size	0.469 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Dec 2019)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`056-40-00-017.00`

Property Details

APN / Parcel Number

Primary APN	`056-40-00-017.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,287 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.469 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0564000017.00
Street Address	4523 CARROLL ST
City	COVINGTON
State	KY
Zip	41015-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLKING LOT 37-38 & 42FT PARCEL IN REAR OF 37 & 40FT IN REAR OF LOT 38
Legal Subdivision	WOLKING
Legal Lot Number	37-38 38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1010
Census Tract	61200

Owner

Source: Kenton County records · APN 056-40-00-017.00

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 Individual Names on File
Mailing Address	4523 CARROLL ST, COVINGTON, KY 41015-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG
Mar 27, 2019	Grant Deed, Transfer ATTORNEY ONLY
Mar 27, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	0000683827
Deed Book / Page	6838 / 27
Record Updated	Jun 08, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 26, 2019
Property Address	4523 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000089
Book / Page	0C6838 / 000027
Instrument Date	Dec 20, 2019
Instrument	89
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NORTHWEST TITLE COMPANY, NORTHWEST TITLE CO.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 EADS RD CRITTENDEN KY 410308940, CRITTENDEN, KY 41030-8940

Mortgage

Document Number	91
Date	Dec 26, 2019
Book Page	0C6838/000030
Instrument	91

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Mortgage

Document Number	93,
Date	Dec 26, 2019
Book Page	0C6838/000047
Instrument	93

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 25, 2029

Interest

Rate	12%

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 27, 2019
Property Address	4523 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000162
Book / Page	0C6626 / 000315
Instrument Date	Mar 25, 2019
Instrument	162
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	255 EADS RD CRITTENDEN KY 410308940, CRITTENDEN, KY 41030-8940

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 27, 2019
Property Address	4523 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0000000161
Book / Page	0C6626 / 000311
Instrument Date	Mar 25, 2019
Instrument	161
Transaction Type	Transfer
Record Updated	Apr 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$35.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 HOFFMANN AVE LEBANON OH 450361114, LEBANON, OH 45036-1114

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	$2,815.00 (-0.53%)	$212,500 (-) Land $10,000 Building $202,500	$212,500 (-) Land $10,000 Building $202,500
2023	$2,830.00	$212,500 Land $10,000 Building $202,500	$212,500 Land $10,000 Building $202,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170612001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm	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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

Provider	Technology	Download / Upload (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
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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