110-12 8th St W, Covington, KY 41011 Property Records

Kenton County property record for 110-12 8th St W, Covington, KY 41011

Property Summary

Property Type	Commercial
Details	26,816 sqft
Lot Size	0.534 acres (23,254 sqft)
Owner	Company Name on Record
Last Sale	$772,000 (May 2026)
Tax Bill	$3,074 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2024 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-20-010.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-20-010.00`

Interior

Building Area	26,816 sqft Finished Area

Exterior

Lot Area	23,254 sqft (0.534 acres)
Lot Dimensions	193 ft deep x 70 ft wide

Location & Zoning

Street Address	110-12 8TH ST W
City	COVINGTON
State	KY
Zip	41011
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	FOOTES ADDN LOT 149 & PTS 146 THRU 148 70'X 193' IRREG PLUS PORTION OF CLOSED ALLEY
Legal Subdivision	FOOTES ADDN
Legal Phase	48
Legal Lot Number	149,146
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2036
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

Source: Kenton County records, as of June 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	8170 CORPORATE PARK DR, 230, CINCINNATI, OH 45242-3323
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 8, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Apr 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Apr 3, 2020	Loan Modification, Mortgage HERITAGE BK
Apr 3, 2020	Loan Modification, Mortgage HERITAGE BK
Mar 28, 2019	Loan Modification, Mortgage HERITAGE BK
Mar 28, 2019	Loan Modification, Mortgage HERITAGE BK
Mar 28, 2018	Loan Modification, Mortgage HERITAGE BK
Apr 4, 2018	Trustee's Deed, Construction Loan · Line of Credit HERITAGE BK/PLESANT VIEW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Dec 16, 2016 · Amount on Record
Deed Document Number	2026051410003
Deed Book / Page	431 / 79
Prior Transfer Date	Apr 14, 2026
Prior Transfer Doc	0000010003
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 14, 2026
Document Number	0000010003
Book / Page	431 / 79
Instrument Date	Apr 14, 2026
Instrument	202610003
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$77,972.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8170 CORPORATE PARK DR 230, 230, CINCINNATI, OH 45242-3313

Mortgage

Document Number	0005900151
Date	Apr 8, 2024
Book Page	KCM 539/40
Instrument	24040805900151

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	2001 DIXIE HWY, FT WRIGHT, KY 41011

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 7, 2044

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900291
Date	Apr 12, 2021
Book Page	200/259
Instrument	21041205900291

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	FLORENCE, KY 41042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Apr 7, 2024

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Document Number	0000000048
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000048
Date	Apr 23, 2020
Book Page	000017/000945
Instrument	48

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Term	12 Months
Due	Apr 22, 2021

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Document Number	0000000049
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000049
Date	Apr 23, 2020
Book Page	000017/000954
Instrument	49

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Term	12 Months
Due	Apr 22, 2021

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Document Number	0000000039
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000039
Date	Apr 15, 2019
Book Page	006638/000212
Instrument	39

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Term	12 Months
Due	Apr 14, 2020

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Document Number	0000000151
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000151
Date	Apr 22, 2019
Book Page	0C6644/000034
Instrument	151

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Term	12 Months
Due	Apr 21, 2020

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Document Number	0000000194
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000194
Date	Apr 16, 2018
Book Page	0C6390/000202
Instrument	194

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Term	12 Months
Due	Apr 15, 2019

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2018
Property Address	110 W 8TH ST # 12, 12, COVINGTON, KY 41011
Book / Page	0C6383 / 000212
Instrument Date	Mar 28, 2018
Instrument	94
Transaction Type	Construction Loan
Record Updated	Apr 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11982 BRITESILKS LN CINCINNATI OH 452491284, CINCINNATI, OH 45249-1284

Mortgage

Document Number	0000000094
Date	Apr 4, 2018
Book Page	0C6383/000212
Instrument	94

Lender

Name	HERITAGE BK/PLESANT VIEW
Type	Bank
Address	UNION, KY 41091

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 3, 2019

Interest

Rate Type	Adjustable Rate

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	$3,074.00 (-0.52%)	$232,000 (-) Land $212,000 Building $20,000	$232,000 (-) Land $212,000 Building $20,000
2023	$3,090.00	$232,000 Land $212,000 Building $20,000	$232,000 Land $212,000 Building $20,000

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
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

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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