3385 Madison Pike, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3385 Madison Pike, Covington, KY 41017

Property Summary

Property Type	Fast Food Restaurant
Details	3,000 sqft · built 1910
Lot Size	1.15 acres (50,399 sqft)
Owner	Company Name on Record
Last Sale	$675,000 (Apr 2023)
Tax Bill	$19,710 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042-40-00-011.00`

Property Details

APN / Parcel Number

Primary APN	`042-40-00-011.00`

Interior

Building Area	3,000 sqft Finished Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	50,399 sqft (1.15 acres)

Location & Zoning

Street Address	3385 MADISON PIKE
City	FT MITCHELL
State	KY
Zip	41017-9657
Property Category	Commercial
Property Type	Commercial > Retail > Fast Food Restaurant
Legal Description	1.157 AC SES MADISON PK APPROX 500' NE OF HIGHLAND PK C,L
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	5
Census Block	5001
Census Tract	65300

Owner

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	Company Name on Record
Mailing Address	2179 HIDDEN TRAIL DR, STERLING HEIGHTS, MI 48314-3750
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF KENTUCKY
Nov 1, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF KENTUCKY
Jan 29, 2025	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Apr 14, 2023	Warranty Deed, Transfer · Commercial Mortgage THE CINCINNATUS SAVINGS AND LOAN CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Nov 1, 2016 · Amount on Record
Deed Document Number	2023124
Deed Book / Page	222 / 164
Prior Transfer Date	Sep 16, 2014
Prior Transfer Doc	0000000046
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3385 MADISON PIKE, COVINGTON, KY 41017-9657
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2179 HIDDEN TRAIL DR, STERLING HEIGHTS, MI 48314-3750

Mortgage

Document Number	0005900007
Date	Nov 1, 2023
Book Page	KCM 501/207
Instrument	23110105900007

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 26, 2033

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3385 MADISON PIKE, COVINGTON, KY 41017-9657
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2179 HIDDEN TRAIL DR, STERLING HEIGHTS, MI 48314-3750

Mortgage

Document Number	0005900005
Date	Nov 1, 2023
Book Page	KCM 504/193
Instrument	23110105900005

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 26, 2038

Interest

Rate Type	Adjustable Rate

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3385 MADISON PIKE, COVINGTON, KY 41017-9657
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2179 HIDDEN TRAIL DR, STERLING HEIGHTS, MI 48314-3750

Mortgage

Document Number	0005900045
Date	Jan 29, 2025
Book Page	KCM 621/106
Instrument	25012905900045

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 3, 2040

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 14, 2023
Property Address	3385 MADISON PIKE, COVINGTON, KY 41017-9657
Document Number	0005900124
Book / Page	KC 222 / 164
Instrument Date	Apr 13, 2023
Instrument	23041405900124
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	233 S PATTERSON AVE, SPRINGFIELD, MO 65802-2210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2179 HIDDEN TRAIL DR, STERLING HEIGHTS, MI 48314-3750

Mortgage

Document Number	0005900125
Date	Apr 14, 2023
Instrument	23041405900125

Lender

Name	THE CINCINNATUS SAVINGS AND LOAN CO
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Apr 1, 2025

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Wright City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,989,000 (-) Land $522,000 Building $1,467,000	$1,989,000 (-) Land $522,000 Building $1,467,000
2025	$19,710.00 (+163.4%)	$1,989,000 (+183.33%) Land $522,000 Building $1,467,000	$1,989,000 (+183.33%) Land $522,000 Building $1,467,000
2023	$7,483.00	$702,000 Land $522,000 Building $180,000	$702,000 Land $522,000 Building $180,000

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 · 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	4 in force
Nearby Flood Claims	2 (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	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 27 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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