1602 Madison Ave, Covington, KY 41011 Property Records

Kenton County property record for 1602 Madison Ave, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4 ba · 5,092 sqft · built 1999
Lot Size	0.505 acres (21,989 sqft)
Owner	Company Name on Record
Last Sale	$3,300,000 (Jun 2026)
Tax Bill	$4,836 (2025)
Deeds & Mortgages	Jun 2026 Sale Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-13-10-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-13-10-001.00`

Interior

Building Area	5,092 sqft Finished Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	21,989 sqft (0.505 acres)

Location & Zoning

Street Address	1602 MADISON AVE
City	COVINGTON
State	KY
Zip	41011-3318
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	GESTS WEST HALF BLK 11 LOTS C THRU G & PT LOTS A-B-H 0.5048 AC SEC 16TH & MADISON
Legal Subdivision	GESTS WEST HALF BLK 11
Legal Phase	H
Legal Block	11
Legal Lot Number	C-GA
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	60900

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	Company Name on Record
Mailing Address	855 MAN O WAR BLVD, UNION, KY 41091-8068
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Oct 10, 2017	Grant Deed, Mortgage · Line of Credit CITIZENS UNION BK
Apr 3, 2017	Trustee's Deed, Construction Loan · Construction Mortgage CITIZENS UNION BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	May 31, 2011 · Amount on Record
Deed Document Number	202611667
Deed Book / Page	441 / 903
Prior Transfer Date	Oct 5, 1999
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 4, 2026
Property Address	1602 MADISON AVE, COVINGTON, KY 41011-3318
Document Number	0000011667
Book / Page	441 / 903
Instrument Date	May 18, 2026
Instrument	202611667
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$333,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	855 MAN O WAR BLVD, UNION, KY 41091-8068

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 1, 2026
Property Address	1602 MADISON AVE, COVINGTON, KY 41011-3318
Document Number	0000013578
Book / Page	453 / 532
Instrument Date	May 18, 2026
Instrument	202613578
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	855 MAN O WAR BLVD, UNION, KY 41091-8068

Mortgage

Document Number	0000013578,
Date	Jul 1, 2026
Book Page	453/532
Instrument	202613578

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 18, 2031

Interest

Rate	6.3%
Max Rate	-1%

October 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 10, 2017
Property Address	1602 MADISON AVE, COVINGTON, KY 41011-3318
Book / Page	0C6268 / 000128
Instrument Date	Sep 19, 2017
Instrument	139
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15405 CRYSTAL SPRINGS WAY LOUISVILLE KY 402455298, LOUISVILLE, KY 40245-5298

Mortgage

Document Number	0000000139
Date	Oct 10, 2017
Book Page	0C6268/000128
Instrument	139

Lender

Name	CITIZENS UNION BK
Type	Bank
Address	11601 BLUEGRASS PKWY, LOUISVILLE, KY 40299-2353

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 9, 2037

Interest

Rate Type	Adjustable Rate

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Apr 3, 2017
Property Address	1602 MADISON AVE, COVINGTON, KY 41011-3318
Book / Page	0C6128 / 000165
Instrument Date	Mar 14, 2017
Instrument	122
Transaction Type	Construction Loan
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15405 CRYSTAL SPRINGS WAY LOUISVILLE KY 402455298, LOUISVILLE, KY 40245-5298

Mortgage

Document Number	0000000122
Date	Apr 3, 2017
Book Page	0C6128/000165
Instrument	122

Lender

Name	CITIZENS UNION BK
Type	Bank
Address	2100 S HIGHWAY 53, LAGRANGE, KY 40031

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 2, 2018

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
2026		$395,000 (+8.22%) Land $125,000 Building $270,000	$395,000 (+8.22%) Land $125,000 Building $270,000
2025	$4,836.00 (-0.51%)	$365,000 (-) Land $125,000 Building $240,000	$365,000 (-) Land $125,000 Building $240,000
2023	$4,861.00 (+0.83%)	$365,000 (-) Land $125,000 Building $240,000	$365,000 (-) Land $125,000 Building $240,000
2022	$4,821.00	$365,000 Land $125,000 Building $240,000	$365,000 Land $125,000 Building $240,000

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

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	Not rated no burnable land within 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 794 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

May also be available: Verizon.

Nearby Properties on Madison Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures