680 W 3rd St, Covington, KY 41011 Property Records

Kenton County property record for 680 W 3rd St, Covington, KY 41011

Property Summary

Property Type	Convenience Store
Details	2,286 sqft · built 1983
Lot Size	0.443 acres (19,307 sqft)
Owner	Company Name on Record
Tax Bill	$7,950 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`040-34-02-003.00`

Property Details

APN / Parcel Number

Primary APN	`040-34-02-003.00`

Interior

Building Area	2,286 sqft Finished Area

Exterior

Year Built	Built 1983
Lot Area	19,307 sqft
Lot Dimensions	137 ft deep x 140 ft wide

Location & Zoning

Old Parcel Number	0403402003.00
Street Address	680 W 3RD ST
City	COVINGTON
State	KY
Zip	41011
Property Category	Commercial
Property Type	Commercial > Retail > Convenience Store
Legal Description	LUDLOW I L FARM BLK D PT LOTS 15-16-17 140'X 137.91' IRREG
Legal Subdivision	LUDLOW I L SUBD
Legal Phase	D
Legal Block	D
Legal Lot Number	15,16 16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
Census Tract	63800

Owner

Source: Kenton County records, as of November 27, 2025

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	855 MAN O WAR BLVD, UNION, KY 41091-8068
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024
Deed Sale	Jan 17, 2024
Deed Document Number	0000265859
Deed Book / Page	265 / 859
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 17, 2024
Property Address	680 W 3RD ST, COVINGTON, KY 41011
Document Number	0005900196
Book / Page	KC 265 / 859
Map Reference	PG 164
Instrument Date	Jan 16, 2024
Instrument	24011705900196
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 CRESCENT AVE, COVINGTON, KY 41011-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 MAN O WAR BLVD, UNION, KY 41091-8068

Mortgage

Document Number	0005900197
Date	Jan 17, 2024
Instrument	24011705900197

Lender

Name	JAMES A GALLENSTEIN FAMILY LIMITED
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Feb 15, 2027

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$7,950.00 (+90.69%)	$600,000 (+91.69%) Land $289,000 Building $311,000	$600,000 (+91.69%) Land $289,000 Building $311,000
2023	$4,169.00	$313,000 Land $289,000 Building $24,000	$313,000 Land $289,000 Building $24,000

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 100 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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