Kenton County property record for 4540 Clifton Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1909 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $144,000 (Jan 2022) |
| Tax Bill | $1,908 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jul 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-42-02-023.00 |
| Primary APN | 056-42-02-023.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,490 sqft Finished Area |
| Gross Area | 1,615 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4540 CLIFTON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDFORD FRANKLIN LOTS 54-55 |
| Legal Subdivision | SANDFORD FRANKLIN |
| Legal Lot Number | 54-55 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 22, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 18, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP |
| Oct 22, 2019 | Grant Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Aug 26, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 5, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 18, 2022 · Amount on Record |
| Deed Sale | Jan 18, 2022 · Amount on Record |
| Prior Sale | Oct 22, 2019 · Amount on Record |
| Deed Document Number | 2022169 |
| Deed Book / Page | 143 / 296 |
| Prior Transfer Date | Oct 17, 2018 |
| Prior Transfer Doc | 0000000154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900004 |
|---|---|
| Date | Jul 5, 2023 |
| Book Page | KCM 473/616 |
| Instrument | 23070505900004 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0005900124 |
|---|---|
| Date | Jul 22, 2025 |
| Book Page | KCM 670/107 |
| Instrument | 25072205900124 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 18, 2022 |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0005900169 |
| Book / Page | 143 / 296 |
| Map Reference | MB 111 PG 5-7 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 22011805900169 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900170 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 22011805900170 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 22, 2019 |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0000000211 |
| Book / Page | 0C6784 / 000258 |
| Instrument Date | Oct 21, 2019 |
| Instrument | 211 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $55.56 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4540 CLIFTON AVE COVINGTON KY 410151960, COVINGTON, KY 41015-1960 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 26, 2019 |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0000000154 |
| Book / Page | 0C6737 / 000348 |
| Instrument Date | Oct 17, 2018 |
| Instrument | 154 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 4540 CLIFTON AVE, COVINGTON, KY 41015-1960 |
| Document Number | 0000000376 |
| Book / Page | 0C6495 / 000099 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 376 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $53.33 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430 |
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 | $146,800 (+1.94%) Land $15,000 Building $131,800 | $146,800 (+1.94%) Land $15,000 Building $131,800 | |
| 2025 | $1,908.00 (-0.52%) | $144,000 (-) Land $10,000 Building $134,000 | $144,000 (-) Land $10,000 Building $134,000 |
| 2023 | $1,918.00 | $144,000 Land $10,000 Building $134,000 | $144,000 Land $10,000 Building $134,000 |
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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