Kenton County property record for 526 Main St, Covington, KY 41011
| Property Type | Restaurant |
|---|---|
| Details | 2 ba · 2,487 sqft · built 1901 |
| Lot Size | 0.052 acres (2,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Jul 2013) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-02-013.00 |
| Primary APN | 054-21-02-013.00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 3 Stories |
| Building Area | 2,487 sqft Finished Area |
| Gross Area | 2,535 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1901 |
| Roof Material | Composition Shingle |
| Lot Area | 2,250 sqft (0.052 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Heating System | Other |
|---|
| Street Address | 526 MAIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1330 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | CHESTER & MANSFIELD BLK 23 PT LOTS 17-18 25'X 90' ES MAIN 50' N 6TH |
| Legal Subdivision | CHESTER & MANSFIELD |
| Legal Phase | 23 |
| Legal Block | 23 |
| Legal Lot Number | 17,18 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| 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 October 20, 2026
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 | PO BOX 6954, CINCINNATI, OH 45206-0954 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2013 · Amount on Record |
| Deed Sale | Jul 1, 2013 · Amount on Record |
| Prior Sale | Apr 13, 2012 · Amount on Record |
| Deed Document Number | 201307 01 059 00147 |
| Deed Book / Page | 5205 / 7 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 526 MAIN ST, COVINGTON, KY 41011-1330 |
| Document Number | 0000000266 |
| Instrument Date | Oct 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 425 GARRARD ST COVINGTON KY 410112562, COVINGTON, KY 41011-2562 |
| Document Number | 0000000266 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 0C6530/000174 |
| Instrument | 266 |
| Name | CITIZENS DEPOSIT BK |
|---|---|
| Type | Bank |
| Address | VANCEBURG, KY 41179 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Oct 22, 2021 |
| Rate Type | Adjustable Rate |
|---|
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 | $160,000 (+10.34%) Land $30,000 Building $130,000 | $160,000 (+10.34%) Land $30,000 Building $130,000 | |
| 2025 | $1,921.00 (-0.52%) | $145,000 (-) Land $25,000 Building $120,000 | $145,000 (-) Land $25,000 Building $120,000 |
| 2023 | $1,931.00 | $145,000 Land $25,000 Building $120,000 | $145,000 Land $25,000 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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