4612 Victory Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 4612 Victory Ave, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 719 sqft · built 1904
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Mar 2023)
Tax Bill	$1,841 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Mar 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`056-42-01-059.00`

Property Details

APN / Parcel Number

Primary APN	`056-42-01-059.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	719 sqft Finished Area

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	175 ft deep x 90 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4612 VICTORY AVE
City	COVINGTON
State	KY
Zip	41015-1965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEMMIEN & HAARMEYER LOTS 44-45-46
Legal Subdivision	DEMMIEN & HAARMEYER
Legal Lot Number	44-46
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3020
Census Tract	61300

Owner

Source: Kenton County records, as of December 2, 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 Record
Mailing Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage SCF JAKE LP
Mar 6, 2023	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2022	Warranty Deed, Transfer
Dec 28, 2021	Special Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Dec 10, 2021	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Dec 13, 2021	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2023 · Amount on Record
Deed Sale	Mar 6, 2023 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	2023110
Deed Book / Page	216 / 281
Prior Transfer Date	Sep 27, 2010
Prior Transfer Doc	0005900199
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900015
Date	Jan 25, 2023
Book Page	KCM 436/396
Instrument	23012505900015

Lender

Name	SCF JAKE LP
Type	Non-Lending Institution
Address	HOUSTON, TX 77019

Agreement

Amount	Amount Recorded

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Mar 6, 2023
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Document Number	0005900110
Book / Page	KC 216 / 281
Map Reference	MB 159 PG 640
Instrument Date	Feb 28, 2023
Instrument	23030605900110
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12333 SOWDEN RD, HOUSTON, TX 77080-2058

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965

Mortgage

Document Number	0005900111
Date	Mar 6, 2023
Instrument	23030605900111

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 8, 2022
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Document Number	0005900226
Book / Page	169 / 990
Map Reference	MB 159 PG 640
Instrument Date	May 18, 2022
Instrument	22060805900226
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2344 OAKTREE PL, CINCINNATI, OH 45238-2968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12333 SOWDEN RD STE B, B, HOUSTON, TX 77080-2059
Investor	Possibly a Property Investor

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 28, 2021
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Document Number	0005900135
Book / Page	139 / 138
Map Reference	MB 159 PG 640
Instrument Date	Dec 22, 2021
Instrument	21122805900135
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 480, HEBRON, KY 41048-0480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 14066, CINCINNATI, OH 45250-0066
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 10, 2021
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Document Number	0005900038
Book / Page	136 / 154
Map Reference	MB 159 PG 640
Instrument Date	Dec 8, 2021
Instrument	21121005900038
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1817 PINHOOK RD, WEST HARRISON, IN 47060-9177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2790 HOUSTON RD, CINCINNATI, OH 45251-4651

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2021
Property Address	4612 VICTORY AVE, COVINGTON, KY 41015-1965
Document Number	0005900096
Book / Page	136 / 489
Map Reference	MB 159 PG 640
Instrument Date	Dec 8, 2021
Instrument	21121305900096
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2790 HOUSTON RD, CINCINNATI, OH 45251-4651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 16480, COVINGTON, KY 41016-0480
Investor	Possibly a Property Investor

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
2025	$1,841.00 (+207.35%)	$139,000 (+208.89%) Land $10,000 Building $129,000	$139,000 (+208.89%) Land $10,000 Building $129,000
2023	$599.00	$45,000 Land $10,000 Building $35,000	$45,000 Land $10,000 Building $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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 · 4 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 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.

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

4612 Victory Ave, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2023: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2021: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Victory Ave

Nearby Streets

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