645 Main St, Covington, KY 41011 Property Records

Kenton County property record for 645 Main St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3,656 sqft · built 1860
Lot Size	0.052 acres (2,250 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Sep 2023)
Tax Bill	$4,107 (2025)
Deeds & Mortgages	Sep 2023 Sale Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-12-022.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-12-022.00`

Interior

Units	2 Units
Building Area	3,656 sqft Finished Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	2,250 sqft (0.052 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Location & Zoning

Street Address	645 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1670
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	25X90 PT LOT 18 BLK 33 WR&L
Legal Subdivision	WOOD ROFF & LOCKWOOD
Legal Phase	33
Legal Block	33
Legal Lot Number	18
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	13 ARCADIA AVE, LAKESIDE PARK, KY 41017-2128
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer
Aug 15, 2022	Deed of Trust, Mortgage HERITAGE SOUTHEAST BANK
Jan 2, 2018	Warranty Deed, Transfer PATTY LAAKE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	2023215
Deed Book / Page	245 / 57
Prior Transfer Date	May 5, 2008
Prior Transfer Doc	0005900011
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 6, 2023
Property Address	645 MAIN ST, COVINGTON, KY 41011-1670
Document Number	0005900215
Book / Page	KC 245 / 57
Instrument Date	Sep 6, 2023
Instrument	23090605900215
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 ARCADIA AVE, LAKESIDE PARK, KY 41017-2128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ARCADIA AVE, LAKESIDE PARK, KY 41017-2128

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	645 MAIN ST, COVINGTON, KY 41011-1670
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ARCADIA AVE, LAKESIDE PARK, KY 41017-2128

Mortgage

Document Number	0005900148
Date	Aug 15, 2022
Book Page	398/69
Instrument	22081505900148

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	ERLANGER, KY 41018

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Jul 29, 2032

Interest

Rate Type	Adjustable Rate

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 2, 2018
Property Address	645 MAIN ST, COVINGTON, KY 41011-1670
Document Number	0000000096
Book / Page	0C6235 / 000276
Instrument Date	Dec 29, 2017
Instrument	96
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ARCADIA AVE LAKESIDE PARK KY 410172128, LAKESIDE PARK, KY 41017-2128

Mortgage

Document Number	97
Date	Jan 2, 2018
Book Page	0C6325/000279
Instrument	97

Lender

Name	PATTY LAAKE
Address	508 EADS RD, CRITTENDEN, KY 41030-8974

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2023

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		$310,000 (-) Land $40,000 Building $270,000	$310,000 (-) Land $40,000 Building $270,000
2025	$4,107.00 (-0.53%)	$310,000 (-) Land $40,000 Building $270,000	$310,000 (-) Land $40,000 Building $270,000
2023	$4,129.00 (+0.83%)	$310,000 (-) Land $40,000 Building $270,000	$310,000 (-) Land $40,000 Building $270,000
2022	$4,095.00	$310,000 Land $40,000 Building $270,000	$310,000 Land $40,000 Building $270,000

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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