609 Main St, Covington, KY 41011 Property Records

Kenton County property record for 609 Main St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,655 sqft · built 1860
Lot Size	0.046 acres (2,007 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Apr 2013)
Tax Bill	$3,150 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-007.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-007.00`

Interior

Building Area	2,655 sqft Finished Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	2,007 sqft (0.046 acres)
Lot Dimensions	90 ft deep x 22.3 ft wide

Location & Zoning

Street Address	609 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1331
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	22.25X90 PT LOT 26 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
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	306 CHERRYWOOD DR, FT MITCHELL, KY 41011-1804
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2013 · Amount on Record
Deed Sale	Apr 3, 2013 · Amount on Record
Prior Sale	May 31, 2002 · Amount on Record
Deed Document Number	201304 03 059 00070
Deed Book / Page	5129 / 81
Last Transfer Date	Mar 10, 2014
Transfer Doc	0000000082
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	609 MAIN ST, COVINGTON, KY 41011-1331
Document Number	0000000083
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	609 MAIN ST COVINGTON KY 410111331, COVINGTON, KY 41011-1331

Mortgage

Document Number	0000000083
Date	Dec 19, 2019
Book Page	0C6833/000176
Instrument	83

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

Interest

Rate Type	Adjustable Rate

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		$237,800 (-) Land $40,000 Building $197,800	$237,800 (-) Land $40,000 Building $197,800
2025	$3,150.00 (-0.54%)	$237,800 (-) Land $40,000 Building $197,800	$237,800 (-) Land $40,000 Building $197,800
2023	$3,167.00	$237,800 Land $40,000 Building $197,800	$237,800 Land $40,000 Building $197,800

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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures