519 Main St, Covington, KY 41011 Property Records

Kenton County property record for 519 Main St, Covington, KY 41011

Property Summary

Property Type	Restaurant
Details	3,022 sqft · built 1860
Lot Size	0.051 acres (2,205 sqft)
Owner	Company Name on Record
Last Sale	$495,000 (Sep 2023)
Tax Bill	$6,558 (2025)
Deeds & Mortgages	Sep 2023 Sale Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-08-004.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-08-004.00`

Interior

Building Area	3,022 sqft Finished Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	2,205 sqft (0.051 acres)
Lot Dimensions	90 ft deep x 24.5 ft wide

Location & Zoning

Street Address	519 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1329
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	CHESTER & MANSFIELD BLK 24 PT LOTS 14-15 24.5'X 90'
Legal Subdivision	CHESTER & MANSFIELD
Legal Phase	24
Legal Block	24
Legal Lot Number	14,15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	60300

Historic Designation

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

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

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	7450 INDUSTRIAL RD, FLORENCE, KY 41042-2916
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Special Warranty Deed, Transfer COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO
Mar 31, 2023	Deed of Trust, Mortgage · Commercial Mortgage PFLP LLC
Sep 19, 2018	Deed of Trust, Mortgage BUTLER WILLIAM P TRUST (RT)
Nov 22, 2016	Deed of Trust, Mortgage NEWTEK SMALL BUSN FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	2023159
Deed Book / Page	249 / 326
Record Updated	Oct 29, 2026

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 29, 2023
Property Address	519 MAIN ST, COVINGTON, KY 41011-1329
Document Number	0005900159
Book / Page	KC 249 / 326
Instrument Date	Sep 28, 2023
Instrument	23092905900159
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 MAIN ST, COVINGTON, KY 41011-1329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7450 INDUSTRIAL RD, FLORENCE, KY 41042-2916
Investor	Possibly a Property Investor

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	519 MAIN ST, COVINGTON, KY 41011-1329
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 MAIN ST, COVINGTON, KY 41011-1329

Mortgage

Document Number	0005900147
Date	Mar 31, 2023
Book Page	KCM 450/610
Instrument	23033105900147

Lender

Name	PFLP LLC
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Dec 31, 2023

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	519 MAIN ST, COVINGTON, KY 41011-1329
Document Number	0000000150
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	519 MAIN ST COVINGTON KY 410111329, COVINGTON, KY 41011-1329

Mortgage

Document Number	0000000150
Date	Sep 20, 2018
Book Page	0C6506/000001
Instrument	150

Lender

Name	BUTLER WILLIAM P TRUST (RT)
Address	100 E RIVERCENTER BLVD # 100, COVINGTON, KY 41011-1550

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Sep 19, 2021

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	519 MAIN ST, COVINGTON, KY 41011-1329
Document Number	0000000108
Book / Page	0C6093 / 000155
Instrument Date	Nov 22, 2016
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	TITLEVEST AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	519 MAIN ST COVINGTON KY 410111329, COVINGTON, KY 41011-1329

Mortgage

Document Number	0000000108
Date	Feb 9, 2017
Book Page	0C6093/000155
Instrument	108

Lender

Name	NEWTEK SMALL BUSN FIN
Type	Funding / Finance Company
Address	LAKE SUCCESS, NY 11042

Agreement

Amount	Amount Recorded

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		$495,000 (-) Land $40,000 Building $455,000	$495,000 (-) Land $40,000 Building $455,000
2025	$6,558.00 (+105.19%)	$495,000 (+106.25%) Land $40,000 Building $455,000	$495,000 (+106.25%) Land $40,000 Building $455,000
2023	$3,196.00 (+0.82%)	$240,000 (-) Land $40,000 Building $200,000	$240,000 (-) Land $40,000 Building $200,000
2022	$3,170.00	$240,000 Land $40,000 Building $200,000	$240,000 Land $40,000 Building $200,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 607 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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