Kenton County property record for 525 Madison Ave, Covington, KY 41011 · Last verified December 2025
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Bathrooms | 4 Baths |
| Year Built | Built 1929 |
| Square Footage | 9,954 sqft Finished Area |
| Lot Size | 4,356 sqft (0.1 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $2,848.00 (2025) |
Source: Kenton County records · APN 054-21-21-007.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 525 MADISON AVE, COVINGTON, KY 41011-1505 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 05, 2021 | Deed of Trust, Mortgage · Building or Construction Mortgage FORCHT BANK NA |
| Feb 23, 2018 | Trustee's Deed, Construction Loan · Line of Credit FORCHT BK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 18, 1997 |
| Deed Sale | Dec 18, 1997 |
| Deed Doc Number | 0001238191 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 525 MADISON AVE, COVINGTON, KY 41011-1505 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9175 PAMPAS CT, COVINGTON, KY 41015-4215 |
| Document Number | 0005900247 |
|---|---|
| Date | May 05, 2021 |
| Book Page | 212/32 |
| Instrument | 21050505900247 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Apr 20, 2022 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 23, 2018 |
| Property Address | 525 MADISON AVE, COVINGTON, KY 41011-1505 |
| Book / Page | 0C6359 / 000255 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 140 |
| Transaction Type | Construction Loan |
| Record Updated | May 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 9175 PAMPAS CT COVINGTON KY 410154215, COVINGTON, KY 41015-4215 |
| Document Number | 0000000140 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 0C6359/000255 |
| Instrument | 140 |
| Name | FORCHT BK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 22, 2019 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,848.00 (-0.52%) | $215,000 (-) Land $65,000 Building $150,000 | $215,000 (-) Land $65,000 Building $150,000 |
| 2023 | $2,863.00 | $215,000 Land $65,000 Building $150,000 | $215,000 Land $65,000 Building $150,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 2026
| Historic District | Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
| Primary APN | 054-21-21-007.00 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Building Area | 9,954 sqft Finished Area |
| Stories | 2 Stories |
| Year Built | Built 1929 |
|---|---|
| Lot Area | 4,356 sqft (0.1 acres) |
| Depth X Width | 190 ft x 48 ft Depth x Width |
| Old Parcel Number | 0542121007.00 |
|---|---|
| Street Address | 525 MADISON AVE |
| City | COVINGTON |
| State | KY |
| Zip | 41011-1505 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ORIGINAL PLAT OF COV N 1/2 LOT 338 |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 338 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2013 |
| Census Tract | 67000 |
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