520 Main St, Covington, KY 41011 Property Records

Kenton County property record for 520 Main St, Covington, KY 41011

Property Summary

Property Type	Restaurant
Details	1,240 sqft · built 1841
Lot Size	0.103 acres (4,500 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Jun 2018)
Tax Bill	$8,314 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jul 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-02-016.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-02-016.00`

Interior

Stories	1 Story
Building Area	1,240 sqft Finished Area

Exterior

Year Built	Built 1841
Effective Year Built	Effective 1841
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	90 ft deep x 50 ft wide

Location & Zoning

Street Address	520 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1330
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	CHESTER & MANSFIELD BLK 23 PT LOT 16 50'X 90' ES MAIN N 6TH
Legal Subdivision	CHESTER & MANSFIELD
Legal Phase	23
Legal Block	23
Legal Lot Number	16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
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	6762 HAYES RD, CINCINNATI, OH 45248-1329
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Intrafamily Transfer, Transfer
Jul 31, 2023	Warranty Deed, Transfer
Jun 29, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 27, 2018	Grant Deed, Transfer
Mar 15, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Mar 15, 2018 · Amount on Record
Deed Document Number	201806 27 059 00053
Deed Book / Page	6439 / 294
Last Transfer Date	Oct 16, 2023
Transfer Doc	0005900285
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Oct 18, 2023
Property Address	520 MAIN ST, COVINGTON, KY 41011-1330
Document Number	0005900285
Book / Page	KC 252 / 811
Map Reference	MB C-6439 PG 294
Instrument Date	Oct 16, 2023
Instrument	23101805900285
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6762 HAYES RD, CINCINNATI, OH 45248-1329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6762 HAYES RD, CINCINNATI, OH 45248-1329
Investor	Possibly a Property Investor

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2023
Property Address	520 MAIN ST, COVINGTON, KY 41011-1330
Document Number	0005900109
Book / Page	KC 238 / 731
Instrument Date	Jul 27, 2023
Instrument	23073105900109
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5449 HOLLY RIDGE CT, TAYLOR MILL, KY 41015-4331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6762 HAYES RD, CINCINNATI, OH 45248-1329

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 29, 2023
Property Address	520 MAIN ST, COVINGTON, KY 41011-1330
Document Number	0005900107
Book / Page	KC 233 / 421
Instrument Date	Jun 28, 2023
Instrument	23062905900107
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5449 HOLLY RIDGE CT, TAYLOR MILL, KY 41015-4331

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5449 HOLLYRIDGE CT, TAYLOR MILL, KY 41015-4331

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 27, 2018
Property Address	520 MAIN ST, COVINGTON, KY 41011-1330
Document Number	0000000053
Book / Page	0C6439 / 000294
Instrument Date	Jun 21, 2018
Instrument	53
Transaction Type	Transfer
Record Updated	Jul 16, 2018

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	608 MAIN ST COVINGTON KY 410112389, COVINGTON, KY 41011-2389

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 15, 2018
Property Address	520 MAIN ST, COVINGTON, KY 41011-1330
Document Number	0000000050
Book / Page	0C6371 / 000090
Instrument Date	Mar 13, 2018
Instrument	50
Transaction Type	Transfer
Record Updated	Mar 29, 2018

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	608 MAIN ST COVINGTON KY 410112389, COVINGTON, KY 41011-2389

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		$627,500 (-) Land $75,000 Building $552,500	$627,500 (-) Land $75,000 Building $552,500
2025	$8,314.00 (+251.69%)	$627,500 (+253.52%) Land $75,000 Building $552,500	$627,500 (+253.52%) Land $75,000 Building $552,500
2023	$2,364.00 (+0.85%)	$177,500 (-) Land $37,500 Building $140,000	$177,500 (-) Land $37,500 Building $140,000
2022	$2,344.00	$177,500 Land $37,500 Building $140,000	$177,500 Land $37,500 Building $140,000

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

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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