Kenton County property record for 1104 Main St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,810 sqft · built 1920 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $389,500 (Sep 2024) |
| Tax Bill | $5,160 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-09-027.00 |
| Primary APN | 054-22-09-027.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,810 sqft Finished Area |
| Gross Area | 2,598 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Garage Type | Detached |
| Garage Area | 72 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1104 MAIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEHMER LOT 54 & PT LOT 55 |
| Legal Subdivision | LEHMER |
| Legal Phase | 2 |
| Legal Lot Number | 54,55 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 60700 |
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 | 1104 MAIN ST, COVINGTON, KY 41011-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 14, 2022 | Warranty Deed, Transfer |
| Sep 21, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2024 · Amount on Record |
| Deed Sale | Sep 23, 2024 · Amount on Record |
| Prior Sale | Jun 15, 2023 · Amount on Record |
| Deed Document Number | 202444 |
| Deed Book / Page | 306 / 333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 15, 2023 |
| Property Address | 1104 MAIN ST, COVINGTON, KY 41011-2219 |
| Document Number | 0005900066 |
| Book / Page | KC 231 / 363 |
| Map Reference | MB 66 PG 640 |
| Instrument Date | Jun 13, 2023 |
| Instrument | 23061505900066 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| 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 |
|---|---|
| Address | 5239 WHISPERING WOODS DR, WEST CHESTER, OH 45069-7500 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1104 MAIN ST, COVINGTON, KY 41011-2219 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900067 |
|---|---|
| Date | Jun 15, 2023 |
| Book Page | KCM 469/410 |
| Instrument | 23061505900067 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 14, 2022 |
| Property Address | 1104 MAIN ST, COVINGTON, KY 41011-2219 |
| Document Number | 0005900149 |
| Book / Page | 153 / 206 |
| Map Reference | MB 66 PG 640 |
| Instrument Date | Mar 7, 2022 |
| Instrument | 22031405900149 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 BOROS DRIVE, COVINGTON, KY 41015 |
| Name | Verified Name |
|---|---|
| Address | 5239 WHISPERING WOODS DR, WEST CHESTER, OH 45069-7500 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 21, 2021 |
| Property Address | 1104 MAIN ST, COVINGTON, KY 41011-2219 |
| Document Number | 0005900190 |
| Book / Page | 119 / 210 |
| Map Reference | MB 66 PG 640 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 21092105900190 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8106 CAMP ERNST RD, BURLINGTON, KY 41005-9420 |
| Name | Verified Name |
|---|---|
| Address | 4343 BORON AVE, COVINGTON, KY 41015-1720 |
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 | $389,500 (-) Land $10,000 Building $379,500 | $389,500 (-) Land $10,000 Building $379,500 | |
| 2025 | $5,160.00 (+115.27%) | $389,500 (+116.39%) Land $5,000 Building $384,500 | $389,500 (+116.39%) Land $5,000 Building $384,500 |
| 2023 | $2,397.00 (+39.6%) | $180,000 (+38.46%) Land $5,000 Building $175,000 | $180,000 (+38.46%) Land $5,000 Building $175,000 |
| 2022 | $1,717.00 | $130,000 Land $5,000 Building $125,000 | $130,000 Land $5,000 Building $125,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 720 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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