Kenton County property record for 631 Main St, Covington, KY 41011
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 1,904 sqft · built 1880 |
| Lot Size | 0.042 acres (1,827 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Dec 2022) |
| Tax Bill | $4,372 (2025) |
| Deeds & Mortgages | Dec 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-43-12-017.00 |
| Primary APN | 040-43-12-017.00 |
|---|
| Total Rooms | 7 Rooms |
|---|---|
| Building Area | 1,904 sqft Finished Area |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Lot Area | 1,827 sqft (0.042 acres) |
| Lot Dimensions | 90 ft deep x 20.3 ft wide |
| Street Address | 631 MAIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1331 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | 20.33X90 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 |
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.
631 Main St, a commercial property, is owned by two individuals who bought it in December 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4384 IRETON RD, WILLIAMSBURG, OH 45176-9242 |
| 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 | Dec 12, 2022 · Amount on File |
| Deed Sale | Dec 12, 2022 · Amount on File |
| Deed Document Number | 202265 |
| Deed Book / Page | 204 / 604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 12, 2022 |
| Property Address | 631 MAIN ST, COVINGTON, KY 41011-1331 |
| Document Number | 0005900065 |
| Book / Page | 204 / 604 |
| Map Reference | PL 356 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 22121205900065 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 631 MAIN ST, COVINGTON, KY 41011-1331 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4384 IRETON RD, WILLIAMSBURG, OH 45176-9242 |
The 2025 property tax bill for 631 Main St was $4,372.
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 | $330,000 (-) Land $25,000 Building $305,000 | $330,000 (-) Land $25,000 Building $305,000 | |
| 2025 | $4,372.00 | $330,000 Land $25,000 Building $305,000 | $330,000 Land $25,000 Building $305,000 |
| 2023 | $4,395.00 (+168.32%) | $330,000 (+166.13%) Land $25,000 Building $305,000 | $330,000 (+166.13%) Land $25,000 Building $305,000 |
| 2022 | $1,638.00 | $124,000 Land $25,000 Building $99,000 | $124,000 Land $25,000 Building $99,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 631 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 risk around 631 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.
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 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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