400 W 3rd St, Covington, KY 41011 Property Records

Kenton County property record for 400 W 3rd St, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	17,768 sqft
Lot Size	0.983 acres (42,857 sqft)
Owner	Company Name on Record
Tax Bill	$11,262 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Aug 2017 Foreclosure
Flood Zone	Zone X (reduced by levee)
APN	`040-34-04-001.00`

Property Details

APN / Parcel Number

Primary APN	`040-34-04-001.00`

Interior

Building Area	17,768 sqft Finished Area

Exterior

Lot Area	42,857 sqft (0.983 acres)
Lot Dimensions	326 ft deep x 55.3 ft wide

Location & Zoning

Street Address	400 W 3RD ST
City	COVINGTON
State	KY
Zip	41011-1306
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	JOHNSON & BAKEWELL LOTS 16-17-18 & PT LOTS 1-2-3-4-13-14-15 55.27'X 326' IRREG
Legal Subdivision	JOHNSON & BAKEWELL
Legal Phase	8
Legal Lot Number	18,1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4020
Census Tract	67000

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	2333 ANDERSON RD, CRESCENT SPRINGS, KY 41017-1955
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2018	Deed of Trust, Mortgage HERITAGE BK
Aug 18, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2017
Deed Sale	Aug 18, 2017
Deed Document Number	201708 18 059 00136
Deed Book / Page	6228 / 43
Prior Transfer Date	Sep 15, 2006
Prior Transfer Doc	0005900340
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	400 W 3RD ST, COVINGTON, KY 41011-1306
Document Number	0000000159
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2333 ANDERSON RD CRESCENT SPRINGS KY 410171955, CRESCENT SPRINGS, KY 41017-1955

Mortgage

Document Number	0000000159
Date	Jul 13, 2018
Book Page	0C6452/000191
Instrument	159

Lender

Name	HERITAGE BK
Type	Bank
Address	ERLANGER KENTON, KY 41018

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2033

Interest

Rate Type	Adjustable Rate

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2017
Property Address	400 W 3RD ST, COVINGTON, KY 41011-1306
Document Number	0000000136
Book / Page	006628 / 000043
Instrument	136
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 W 3RD ST COVINGTON KY 410111306, COVINGTON, KY 41011-1306

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		$850,000 (-) Land $490,000 Building $360,000	$850,000 (-) Land $490,000 Building $360,000
2025	$11,262.00 (-0.53%)	$850,000 (-) Land $490,000 Building $360,000	$850,000 (-) Land $490,000 Building $360,000
2023	$11,322.00	$850,000 Land $490,000 Building $360,000	$850,000 Land $490,000 Building $360,000

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
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 · 4 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 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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