Kenton County property record for 522 Main St, Covington, KY 41011
| Property Type | Restaurant |
|---|---|
| Details | 1,321 sqft · built 1909 |
| Lot Size | 0.051 acres (2,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Jul 2023) |
| Tax Bill | $1,764 (2023) |
| Deeds & Mortgages | Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-02-015.00 |
| Primary APN | 054-21-02-015.00 |
|---|
| Building Area | 1,321 sqft Finished Area |
|---|
| Year Built | Built 1909 |
|---|---|
| Lot Area | 2,250 sqft (0.051 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Old Parcel Number | 0542102015.00 |
|---|---|
| Street Address | 522 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 25'X 90' ES MAIN N 6TH |
| Legal Subdivision | CHESTER & MANSFIELD |
| Legal Phase | 23 |
| Legal Block | 23 |
| Legal Lot Number | 16 |
| Jurisdiction | KENTON KY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 60300 |
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.
Source: Kenton County records, as of February 22, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 6762 HAYES RD, CINCINNATI, OH 45248-1329 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Prior Sale | Jun 29, 2023 |
| Deed Document Number | 23073105900109 |
| Deed Book / Page | KC 238 / 731 |
| Record Updated | Jun 7, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 522 MAIN ST, COVINGTON, KY 41011-1330 |
| Document Number | 0000000134 |
| Book / Page | 006217 / 000130 |
| Instrument Date | Jun 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 522 MAIN ST COVINGTON KY 410111330, COVINGTON, KY 41011-1330 |
| Document Number | 0000000134 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 006217/000130 |
| Instrument | 134 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Aug 2, 2022 |
Source: Kenton County assessment roll, as of April 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $1,764.00 (+0.8%) | $132,500 (-) Land $37,500 Building $95,000 | $132,500 (-) Land $37,500 Building $95,000 |
| 2022 | $1,750.00 | $132,500 Land $37,500 Building $95,000 | $132,500 Land $37,500 Building $95,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 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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