640 Main St, Covington, KY 41011 Property Records

Kenton County property record for 640 Main St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4 bd · 2 ba · 2,550 sqft
Lot Size	0.056 acres (2,430 sqft)
Owner	Company Name on Record
Last Sale	$390,000 (Jul 2023)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Jul 2023 Sale Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-04-045.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-04-045.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,550 sqft Finished Area

Exterior

Roof Material	Composition Shingle
Lot Area	2,430 sqft (0.056 acres)
Lot Dimensions	90 ft deep x 27 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	640 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1376
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	GREERS ADDN BLK 32 LOT 14 27'X 90' ES MAIN 34' N 7TH
Legal Subdivision	GREERS ADDN
Legal Phase	32
Legal Block	32
Legal Lot Number	14
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

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	521 MADISON AVE, COVINGTON, KY 41011-1505
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Warranty Deed, Transfer SPRINGDALE TITLE LLC
Dec 2, 2019	Grant Deed, Transfer · Conventional Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	2023219
Deed Book / Page	234 / 954
Last Transfer Date	Mar 26, 2025
Transfer Doc	0005900112
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 11, 2023
Property Address	640 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0005900219
Book / Page	KC 234 / 954
Instrument Date	Jun 7, 2023
Instrument	23071105900219
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 GREENUP ST, COVINGTON, KY 41011-3414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 MADISON AVE, COVINGTON, KY 41011-1505

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 2, 2019
Property Address	640 MAIN ST, COVINGTON, KY 41011-1376
Document Number	0000000111
Book / Page	0C6814 / 000221
Instrument Date	Nov 27, 2019
Instrument	111
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	640 MAIN ST COVINGTON KY 410111376, COVINGTON, KY 41011-1376

Mortgage

Document Number	112
Date	Dec 2, 2019
Book Page	0C6814/000224
Instrument	112

Lender

Name	HERITAGE BK
Type	Bank
Address	LATONIA, KY 41015

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2039

Interest

Rate Type	Adjustable Rate

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		$390,000 (-) Land $40,000 Building $350,000	$390,000 (-) Land $40,000 Building $350,000
2025	$5,167.00 (+29.3%)	$390,000 (+3%) Land $40,000 Building $350,000	$390,000 (+3%) Land $40,000 Building $350,000
2023	$3,996.00 (+0.83%)	$300,000 (-) Land $40,000 Building $260,000	$300,000 (-) Land $40,000 Building $260,000
2022	$3,963.00	$300,000 Land $40,000 Building $260,000	$300,000 Land $40,000 Building $260,000

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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