627 Main St, Covington, KY 41011 Property Records

Kenton County property record for 627 Main St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,896 sqft · built 1880
Lot Size	0.041 acres (1,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Oct 2003)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-015.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-015.00`

Interior

Building Area	2,896 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	1,800 sqft (0.041 acres)
Lot Dimensions	90 ft deep x 20 ft wide

Location & Zoning

Street Address	627 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1331
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	20X90 PT LOT 22 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	22
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	2 Individual Names on Record
Mailing Address	627 MAIN ST, COVINGTON, KY 41011-1331
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage EMERY FCU
Sep 15, 2020	Quit Claim Deed, Transfer EMERY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2003 · Amount on Record
Deed Sale	Oct 1, 2003 · Amount on Record
Prior Sale	Jan 3, 2001 · Amount on Record
Deed Document Number	200310 01 059 00130
Deed Book / Page	1875 / 142
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	627 MAIN ST, COVINGTON, KY 41011-1331
Document Number	0000000186
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	627 MAIN ST COVINGTON KY 410111331, COVINGTON, KY 41011-1331

Mortgage

Document Number	0000000186
Date	Sep 15, 2020
Book Page	000M97/000918
Instrument	186

Lender

Name	EMERY FCU
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 14, 2035

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 15, 2020
Property Address	627 MAIN ST, COVINGTON, KY 41011-1331
Document Number	0000000185
Book / Page	000043 / 000627
Instrument Date	Sep 9, 2020
Instrument	185
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	627 MAIN ST COVINGTON KY 410111331, COVINGTON, KY 41011-1331

Mortgage

Document Number	186
Date	Sep 15, 2020
Book Page	000M97/000918
Instrument	186

Lender

Name	EMERY FCU
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 14, 2035

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		$195,000 (+21.88%) Land $30,000 Building $165,000	$195,000 (+21.88%) Land $30,000 Building $165,000
2025	$2,120.00 (-0.52%)	$160,000 (-) Land $25,000 Building $135,000	$160,000 (-) Land $25,000 Building $135,000
2023	$2,131.00	$160,000 Land $25,000 Building $135,000	$160,000 Land $25,000 Building $135,000

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.

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