Kenton County property record for 4532 Clifton Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1924 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $92,400 (Feb 2005) |
| Tax Bill | $1,633 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-42-02-026.00 |
| Primary APN | 056-42-02-026.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,268 sqft Finished Area |
| Gross Area | 1,424 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,614 sqft (0.06 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4532 CLIFTON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDFORD FRANKLIN LOT 50 |
| Legal Subdivision | SANDFORD FRANKLIN |
| Legal Lot Number | 50 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 61300 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 17, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Mar 10, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2005 · Amount on Record |
| Deed Sale | Feb 2, 2005 · Amount on Record |
| Prior Sale | Nov 29, 2002 · Amount on Record |
| Deed Document Number | 200502 02 059 00261 |
| Deed Book / Page | 2487 / 284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900221 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 348/955 |
| Instrument | 22031605900221 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 66 Months |
| Due | Sep 17, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900129 |
|---|---|
| Date | May 17, 2023 |
| Book Page | KCM 461/746 |
| Instrument | 23051705900129 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0000000140 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4532 CLIFTON AVE COVINGTON KY 410151960, COVINGTON, KY 41015-1960 |
| Document Number | 0000000140 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 0C6123/000229 |
| Instrument | 140 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 26, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4532 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0000000146 |
| Instrument Date | Mar 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4532 CLIFTON AVE COVINGTON KY 410151960, COVINGTON, KY 41015-1960 |
| Document Number | 0000000146 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 0C6123/000259 |
| Instrument | 146 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $140,800 (+14.19%) Land $15,000 Building $125,800 | $140,800 (+14.19%) Land $15,000 Building $125,800 | |
| 2025 | $1,633.00 (-0.55%) | $123,300 (-) Land $10,000 Building $113,300 | $123,300 (-) Land $10,000 Building $113,300 |
| 2023 | $1,642.00 | $123,300 Land $10,000 Building $113,300 | $123,300 Land $10,000 Building $113,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 16 (1978–2025) |
| Claims Outside the SFHA | 5 of 16 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% 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.
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 |
| 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.
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 |
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