Kenton County property record for 409 Madison Ave, Covington, KY 41011
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1,020 sqft · built 1904 |
| Lot Size | 0.027 acres (1,190 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (May 2006) |
| Tax Bill | $1,656 (2025) |
| Deeds & Mortgages | Dec 2010 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-17-005.00 |
| Primary APN | 054-21-17-005.00 |
|---|
| Building Area | 1,020 sqft Finished Area |
|---|
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Lot Area | 1,190 sqft (0.027 acres) |
| Lot Dimensions | 70 ft deep x 17 ft wide |
| Street Address | 409 MADISON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1519 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 272 17'X 70' |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 272 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 67000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2274 DIXIE HWY, FT MITCHELL, KY 41017-2949 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2006 · Amount on Record |
| Deed Sale | May 1, 2006 · Amount on Record |
| Deed Document Number | 200605 01 059 00462 |
| Deed Book / Page | 2995 / 172 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 MADISON AVE, COVINGTON, KY 41011-1519 |
| Document Number | 0000000446 |
| Instrument Date | Dec 1, 2010 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 409 MADISON AVE COVINGTON KY 410111519, COVINGTON, KY 41011-1519 |
| Document Number | 0000000446 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 0C6669/000327 |
| Instrument | 446 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54901 |
| Term | 60 Months |
|---|---|
| Due | May 28, 2024 |
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 | $125,000 (-) Land $19,500 Building $105,500 | $125,000 (-) Land $19,500 Building $105,500 | |
| 2025 | $1,656.00 (-0.54%) | $125,000 (-) Land $19,500 Building $105,500 | $125,000 (-) Land $19,500 Building $105,500 |
| 2023 | $1,665.00 | $125,000 Land $19,500 Building $105,500 | $125,000 Land $19,500 Building $105,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 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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