630 Jerol Ave, Covington, KY 41011 Property Records

Kenton County property record for 630 Jerol Ave, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,195 sqft · built 1960
Lot Size	0.735 acres (32,000 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jul 2019)
Tax Bill	$5,635 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-23-03-003.00`

Property Details

APN / Parcel Number

Primary APN	`040-23-03-003.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,195 sqft Finished Area
Gross Area	3,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	32,000 sqft (0.735 acres)
Lot Dimensions	160 ft deep x 200 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	630 JEROL AVE
City	COVINGTON
State	KY
Zip	41011-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	200X160 WS JEROL AVE
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4012
Census Tract	63800

Owner

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	2 Individual Names on File
Mailing Address	630 JEROL AVE, COVINGTON, KY 41011-1112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage GUARANTEED RATE
Aug 7, 2019	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS
Jul 25, 2019	Grant Deed, Transfer · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Dec 5, 2005 · Amount on File
Deed Document Number	201907 25 059 00234
Deed Book / Page	6714 / 1
Prior Transfer Date	Aug 10, 2016
Prior Transfer Doc	0000000193
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	630 JEROL AVE, COVINGTON, KY 41011-1112
Document Number	0000000236
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	630 JEROL AVE COVINGTON KY 410111112, COVINGTON, KY 41011-1112

Mortgage

Document Number	0000000236
Date	Jan 28, 2021
Book Page	00M159/000615
Instrument	236

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 27, 2041

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 7, 2019
Property Address	630 JEROL AVE, COVINGTON, KY 41011-1112
Document Number	0000000227
Book / Page	0I4308 / 000027
Instrument Date	Aug 5, 2019
Instrument	227
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1891 FREEDOM TRL INDEPENDENCE KY 410517601, INDEPENDENCE, KY 41051-7601

Mortgage

Document Number	229
Date	Aug 7, 2019
Book Page	0I4308/000030
Instrument	229

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 25, 2019
Property Address	630 JEROL AVE, COVINGTON, KY 41011-1112
Document Number	0000000234
Book / Page	0C6714 / 000001
Instrument Date	Jul 15, 2019
Instrument	234
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1891 FREEDOM TRL INDEPENDENCE KY 410517601, INDEPENDENCE, KY 41051-7601

Mortgage

Document Number	237
Date	Jul 25, 2019
Book Page	0C6714/000006
Instrument	237

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2049

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		$605,400 (+6.45%) Land $75,000 Building $530,400	$605,400 (+6.45%) Land $75,000 Building $530,400
2025	$5,635.00 (-7.04%)	$568,700 (-) Land $50,000 Building $518,700	$568,700 (-) Land $50,000 Building $518,700
2023	$6,062.00	$568,700 Land $50,000 Building $518,700	$568,700 Land $50,000 Building $518,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 248 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

May also be available: T-Mobile, Verizon.

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