11 W 7th St, Covington, KY 41011 Property Records

Kenton County property record for 11 W 7th St, Covington, KY 41011

Property Summary

Property Type	Restaurant
Details	1,100 sqft
Lot Size	0.025 acres (1,100 sqft)
Owner	Company Name on File
Last Sale	$352,664 (Jul 2023)
Tax Bill	$1,788 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-01-001.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-01-001.00`

Interior

Building Area	1,100 sqft Finished Area

Exterior

Lot Area	1,100 sqft (0.025 acres)
Lot Dimensions	50 ft deep x 22 ft wide

Location & Zoning

Street Address	11 W 7TH ST
City	COVINGTON
State	KY
Zip	41011-2301
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	FOOTES ADDN PT LOT 76 22'X 50'
Legal Subdivision	FOOTES ADDN
Legal Lot Number	76
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2037
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

11 W 7th St, a commercial property, is owned by a company that bought it in July 2023.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	411 MADISON AVE, COVINGTON, KY 41011-1519
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage TRUIST BK
Oct 21, 2020	Deed of Trust, Construction Loan · Construction Mortgage TRUIST BK
Feb 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Jul 20, 2023 · Amount on File
Deed Document Number	2023121
Deed Book / Page	236 / 688
Prior Transfer Date	Jul 17, 2023
Prior Transfer Doc	0000000041
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	11 W 7TH ST, COVINGTON, KY 41011-2301
Document Number	0000000274
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 HARTWEG AVE FORT THOMAS KY 410751319, FORT THOMAS, KY 41075-1319

Mortgage

Document Number	0000000274
Date	Oct 14, 2020
Book Page	00M111/000978
Instrument	274

Lender

Name	TRUIST BK
Address	CRESTVIEW HILLS, KY 41017-4712

Agreement

Amount	Amount on Record
Term	36 Months
Due	Oct 13, 2023

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2020
Property Address	11 W 7TH ST, COVINGTON, KY 41011-2301
Document Number	0000000052
Book / Page	00M114 / 000279
Instrument Date	Jul 7, 2020
Instrument	52
Transaction Type	Construction Loan
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 W 7TH ST COVINGTON KY 410112301, COVINGTON, KY 41011-2301

Mortgage

Document Number	0000000052
Date	Oct 21, 2020
Book Page	00M114/000279
Instrument	52

Lender

Name	TRUIST BK
Address	CRESTVIEW HILLS, KY 41017-4712

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	84 Months
Due	Oct 20, 2027

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 13, 2019
Property Address	11 W 7TH ST, COVINGTON, KY 41011-2301
Document Number	0000000148
Book / Page	0C6599 / 000273
Instrument Date	Jan 30, 2019
Instrument	148
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 MADISON AVE COVINGTON KY 410111519, COVINGTON, KY 41011-1519

Tax Assessment & Valuation

The 2025 property tax bill for 11 W 7th St was $1,788.

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		$155,000 (+14.81%) Land $15,000 Building $140,000	$155,000 (+14.81%) Land $15,000 Building $140,000
2025	$1,788.00	$135,000 Land $15,000 Building $120,000	$135,000 Land $15,000 Building $120,000
2023	$1,798.00	$135,000 Land $15,000 Building $120,000	$135,000 Land $15,000 Building $120,000

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

Flood

FEMA maps place 11 W 7th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
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 · 2 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

Wildfire risk around 11 W 7th St is low, with a 0.01% annual chance of 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	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 656 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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