421 Madison Ave, #23, Covington, KY 41011 Property Records

Kenton County property record for 421 Madison Ave, #23, Covington, KY 41011

Property Summary

Property Type	Multi-Story Office Building
Details	9,270 sqft
Lot Size	0.131 acres (5,700 sqft)
Owner	Company Name on Record
Last Sale	$853,000 (Mar 2022)
Tax Bill	$11,302 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-17-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-17-008.00`

Interior

Building Area	9,270 sqft Finished Area

Exterior

Lot Area	5,700 sqft (0.131 acres)
Lot Dimensions	190 ft deep x 30 ft wide

Location & Zoning

Street Address	421 MADISON AVE, 23
City	COVINGTON
State	KY
Zip	41011-1519
Property Category	Commercial
Property Type	Commercial > Office > Multi-Story Office Building
Legal Description	ORIGINAL PLAT OF COV PT LOT 269 30'X 190'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	269
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2009
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mutter Gottes Historic District (Boundary Increase) listed 1980 · 7 contributing resources · NRIS 80004552

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	421 MADISON AVE, COVINGTON, KY 41011-1519
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Warranty Deed, Transfer · Commercial Mortgage HEARTLAND BANK
Jul 31, 2017	Deed of Trust, Mortgage HERITAGE BK
Aug 23, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	2022192
Deed Book / Page	151 / 624
Prior Transfer Date	Jul 27, 2017
Prior Transfer Doc	0000000063
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 4, 2022
Property Address	421 MADISON AVE # 23, 23, COVINGTON, KY 41011-1519
Document Number	0005900192
Book / Page	151 / 624
Instrument Date	Mar 3, 2022
Instrument	22030405900192
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$853.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 MADISON AVE, COVINGTON, KY 41011-1519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 MADISON AVE # 23, 23, COVINGTON, KY 41011-1519

Mortgage

Document Number	0005900193
Date	Mar 4, 2022
Instrument	22030405900193

Lender

Name	HEARTLAND BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 3, 2037

Mortgage

Document Number	0005900195
Date	Mar 4, 2022
Book Page	344/626
Instrument	22030405900195

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	421 MADISON AVE # 23, 23, COVINGTON, KY 41011-1519
Document Number	0000000268
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 MADISON AVE COVINGTON KY 410111519, COVINGTON, KY 41011-1519

Mortgage

Document Number	0000000268
Date	Aug 31, 2017
Book Page	0C6237/000135
Instrument	268

Lender

Name	HERITAGE BK
Type	Bank
Address	COLD SPRING, KY 41076

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Aug 30, 2024

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 23, 2017
Property Address	421 MADISON AVE # 23, 23, COVINGTON, KY 41011-1519
Document Number	0000000063
Book / Page	0C6230 / 000296
Instrument Date	Jul 27, 2017
Instrument	63
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$324.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10594 ALEXANDRIA PIKE ALEXANDRIA KY 410017542, ALEXANDRIA, KY 41001-7542

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		$914,500 (+7.21%) Land $84,500 Building $830,000	$914,500 (+7.21%) Land $84,500 Building $830,000
2025	$11,302.00 (-0.52%)	$853,000 (-) Land $84,500 Building $768,500	$853,000 (-) Land $84,500 Building $768,500
2023	$11,361.00	$853,000 Land $84,500 Building $768,500	$853,000 Land $84,500 Building $768,500

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	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	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	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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