Kenton County property record for 431 Madison Ave, Covington, KY 41011
| Property Type | Bank, Financial Building |
|---|---|
| Details | 3,854 sqft |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,836 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-17-010.00 |
| Primary APN | 054-21-17-010.00 |
|---|
| Building Area | 3,854 sqft Finished Area |
|---|
| Lot Area | 9,500 sqft (0.218 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 95 ft wide |
| Street Address | 431 MADISON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 266 95'X 100' |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 266,26 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 67000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
431 Madison Ave, a commercial property, is owned by a company.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 433 MADISON AVE, COVINGTON, KY 41011-1519 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 431 Madison Ave was $4,836.
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 | $420,000 (+15.07%) Land $220,000 Building $200,000 | $420,000 (+15.07%) Land $220,000 Building $200,000 | |
| 2025 | $4,836.00 | $365,000 Land $165,000 Building $200,000 | $365,000 Land $165,000 Building $200,000 |
| 2023 | $4,861.00 | $365,000 Land $165,000 Building $200,000 | $365,000 Land $165,000 Building $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Madison Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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.
Wildfire risk around 431 Madison Ave is low, with a 0.01% annual chance of 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.
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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