629 Main St, Covington, KY 41011 Property Records

Kenton County property record for 629 Main St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1,904 sqft · built 1880
Lot Size	0.041 acres (1,773 sqft)
Owner	Company Name on Record
Last Sale	$123,000 (Dec 2006)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-016.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-016.00`

Interior

Building Area	1,904 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	1,773 sqft (0.041 acres)
Lot Dimensions	90 ft deep x 19.7 ft wide

Location & Zoning

Street Address	629 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1331
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	19.67X90 PT LOT 21 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	21
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	629 MAIN ST, B, COVINGTON, KY 41011-1331
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage REPUBLIC BK&TR
May 24, 2018	Deed of Trust, Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2006 · Amount on Record
Deed Sale	Dec 5, 2006 · Amount on Record
Prior Sale	Aug 13, 2004 · Amount on Record
Deed Document Number	200612 05 059 00010
Deed Book / Page	3230 / 70
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	629 MAIN ST, COVINGTON, KY 41011-1331
Document Number	0000000192
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	629 MAIN ST #B COVINGTON KY 410111331, B, COVINGTON, KY 41011-1331

Mortgage

Document Number	0000000192
Date	Jan 11, 2021
Book Page	00M152/000885
Instrument	192

Lender

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

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 10, 2031

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	629 MAIN ST, COVINGTON, KY 41011-1331
Document Number	0000000123
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 LOOKOUT FARM DR CRESTVIEW HILLS KY 410172239, CRESTVIEW HILLS, KY 41017-2239

Mortgage

Document Number	0000000123
Date	Jun 4, 2018
Book Page	0C6422/000240
Instrument	123

Lender

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

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 3, 2028

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		$145,000 (+11.54%) Land $30,000 Building $115,000	$145,000 (+11.54%) Land $30,000 Building $115,000
2025	$1,722.00 (-0.52%)	$130,000 (-) Land $25,000 Building $105,000	$130,000 (-) Land $25,000 Building $105,000
2023	$1,731.00	$130,000 Land $25,000 Building $105,000	$130,000 Land $25,000 Building $105,000

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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