622 Main St, Covington, KY 41011 Property Records

Kenton County property record for 622 Main St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,880 sqft · built 1886
Lot Size	0.033 acres (1,458 sqft)
Owner	Company Name on File
Last Sale	$60,000 (Jan 2022)
Tax Bill	$795 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-04-001.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-04-001.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,880 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Duplex Single
Exterior Material	Combination
Foundation Type	Stone
Lot Area	1,458 sqft (0.033 acres)
Lot Dimensions	90 ft deep x 16.2 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	622 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1376
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREERS ADDN BLK 32 PT LOTS 21-22 CORNER OF PERSHING AVE & MAIN ST
Legal Subdivision	GREERS ADDN
Legal Phase	32
Legal Block	32
Legal Lot Number	21,22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
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

622 Main St, a duplex, is owned by a company that bought it in January 2022.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	1512 RESOURCE DR, B, BURLINGTON, KY 41005-9379
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage SILVER HILL FINANCIAL LLC
Feb 24, 2022	Deed of Trust, Mortgage CITIZENS FSLA
Jan 27, 2022	Warranty Deed, Transfer
Jan 14, 2022	Warranty Deed, Transfer AS CAPITAL LLC
Mar 18, 2019	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR
Aug 29, 2018	Warranty Deed, Subdivision Related Transfer BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	202292
Deed Book / Page	142 / 847
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1512 RESOURCE DR B, B, BURLINGTON, KY 41005-9379

Mortgage

Document Number	0005900024
Date	May 6, 2022
Book Page	368/201
Instrument	22050605900024

Lender

Name	SILVER HILL FINANCIAL LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900145
Date	Feb 24, 2022
Book Page	341/446
Instrument	22022405900145

Lender

Name	CITIZENS FSLA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 27, 2022
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0005900008
Book / Page	145 / 11
Instrument Date	Jan 18, 2022
Instrument	22012705900008
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 14, 2022
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0005900092
Book / Page	142 / 850
Instrument Date	Nov 4, 2021
Instrument	22011405900092
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 176656, COVINGTON, KY 41017-6656

Mortgage

Document Number	0005900094
Date	Jan 14, 2022
Book Page	327/199
Instrument	22011405900094

Lender

Name	AS CAPITAL LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45248

Agreement

Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0000000179
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	138 LOOKOUT FARM DR CRESTVIEW HILLS KY 410172255, CRESTVIEW HILLS, KY 41017-2255

Mortgage

Document Number	0000000179
Date	Mar 20, 2019
Book Page	0C6622/000204
Instrument	179

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2049

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 29, 2018
Property Address	622 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0000000141
Book / Page	0C6489 / 000076
Instrument Date	Aug 1, 2018
Instrument	141
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 15, 2019
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	763 POINTE DR VILLA HILLS KY 410175319, VILLA HILLS, KY 41017-5319

Tax Assessment & Valuation

The 2025 property tax bill for 622 Main St was $795.

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		$200,000 (+233.33%) Land $10,000 Building $190,000	$200,000 (+233.33%) Land $10,000 Building $190,000
2025	$795.00	$60,000 Land $5,000 Building $55,000	$60,000 Land $5,000 Building $55,000
2023	$799.00	$60,000 Land $5,000 Building $55,000	$60,000 Land $5,000 Building $55,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 622 Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 622 Main St is low, with a 0.01% annual chance of 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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