Kenton County property record for 631 Madison Ave, Covington, KY 41011
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 4 ba · 2,074 sqft · built 1890 |
| Lot Size | 0.029 acres (1,253 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Nov 2006) |
| Tax Bill | $1,996 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-23-010.00 |
| Primary APN | 054-21-23-010.00 |
|---|
| Units | 12 Units |
|---|---|
| Building Area | 2,074 sqft Finished Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 1,253 sqft (0.029 acres) |
| Lot Dimensions | 75 ft deep x 16.7 ft wide |
| Street Address | 631 MADISON AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2421 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | ALBRO LOT 3 & PT LOT 4 16.66'X 75' WS MADISON AVE |
| Legal Subdivision | ALBRO |
| Legal Lot Number | 3,4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 67000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
631 Madison Ave, a commercial property, is owned by two individuals who bought it in November 2006.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 455 CANTERBURY DR, SCIENCE HILL, KY 42553-9230 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2006 · Amount on File |
| Deed Sale | Nov 22, 2006 · Amount on File |
| Deed Document Number | 200611 22 059 00225 |
| Deed Book / Page | 3218 / 214 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 631 Madison Ave was $1,996.
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 | $168,000 (+11.48%) Land $24,000 Building $144,000 | $168,000 (+11.48%) Land $24,000 Building $144,000 | |
| 2025 | $1,996.00 | $150,700 Land $15,700 Building $135,000 | $150,700 Land $15,700 Building $135,000 |
| 2023 | $2,007.00 | $150,700 Land $15,700 Building $135,000 | $150,700 Land $15,700 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 Madison Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1978–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 631 Madison Ave 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.
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 656 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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