4527 Carroll St, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4527 Carroll St, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 730 sqft · built 1938
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$97,500 (Sep 2023)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`056-40-00-019.00`

Property Details

APN / Parcel Number

Primary APN	`056-40-00-019.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	4 Units
Stories	1 Story
Building Area	730 sqft Finished Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4527 CARROLL ST
City	COVINGTON
State	KY
Zip	41015-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLKING LOT 40 & STRIP IN REAR
Legal Subdivision	WOLKING
Legal Lot Number	40
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	Individual Name on Record
Mailing Address	15685 GLENCOE VERONA RD, VERONA, KY 41092-9146
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Deed Document Number	2023213
Deed Book / Page	248 / 146
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 22, 2023
Property Address	4527 CARROLL ST, COVINGTON, KY 41015-1825
Document Number	0005900213
Book / Page	KC 248 / 146
Map Reference	PL 502-A
Instrument Date	Sep 21, 2023
Instrument	23092205900213
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3751 VISALIA RD, MORNING VIEW, KY 41063-8727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900214
Date	Sep 22, 2023
Book Page	KCM 494/255
Instrument	23092205900214

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

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		$135,000 (-) Land $15,000 Building $120,000	$135,000 (-) Land $15,000 Building $120,000
2025	$1,788.00 (+26%)	$135,000 (+26.64%) Land $10,000 Building $125,000	$135,000 (+26.64%) Land $10,000 Building $125,000
2023	$1,419.00 (+0.78%)	$106,600 (-) Land $10,000 Building $96,600	$106,600 (-) Land $10,000 Building $96,600
2022	$1,408.00	$106,600 Land $10,000 Building $96,600	$106,600 Land $10,000 Building $96,600

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