701 Main St, #3, Covington, KY 41011 Property Records

Kenton County property record for 701 Main St, #3, Covington, KY 41011

Property Summary

Property Type	Restaurant
Details	1 ba · 2,430 sqft · built 1860
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$318,000 (Jul 2019)
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-43-13-002.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-13-002.00`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	2,430 sqft Finished Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	90 ft deep x 50 ft wide

Location & Zoning

Street Address	701 MAIN ST, 3
City	COVINGTON
State	KY
Zip	41011-1354
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	CHESTER & MANSFIELD BLK 38 LOT 18
Legal Subdivision	CHESTER & MANSFIELD
Legal Phase	38
Legal Block	38
Legal Lot Number	18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2010
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

701 Main St, #3 is owned by a company that bought it in July 2019.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 41, INDEPENDENCE, KY 41051-0041
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO
Aug 14, 2020	Deed of Trust, Mortgage · Line of Credit CENTRAL BK
Jul 1, 2019	Warranty Deed, Transfer · Line of Credit FORCHT BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Jul 26, 2016 · Amount on File
Deed Document Number	201907 01 059 00178
Deed Book / Page	6694 / 69
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	701 MAIN ST # 3, 3, COVINGTON, KY 41011-1354
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5388 CODY RD, INDEPENDENCE, KY 41051-9612

Mortgage

Document Number	0005900183
Date	Sep 9, 2025
Book Page	KCM 685/152
Instrument	25090905900183

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 5, 2030

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	701 MAIN ST # 3, 3, COVINGTON, KY 41011-1354
Document Number	0000000068
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5388 CODY RD INDEPENDENCE KY 410519612, INDEPENDENCE, KY 41051-9612

Mortgage

Document Number	0000000068
Date	Aug 24, 2020
Book Page	000M86/000894
Instrument	68

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 23, 2025

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 1, 2019
Property Address	701 MAIN ST # 3, 3, COVINGTON, KY 41011-1354
Document Number	0000000178
Book / Page	0C6694 / 000069
Instrument Date	Jun 28, 2019
Instrument	178
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5388 CODY RD INDEPENDENCE KY 410519612, INDEPENDENCE, KY 41051-9612

Mortgage

Document Number	180
Date	Jul 1, 2019
Book Page	0C6694/000094
Instrument	180

Lender

Name	FORCHT BK NA
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 30, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 701 Main St, #3 was $4,213.

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		$329,000 (+3.46%) Land $50,000 Building $279,000	$329,000 (+3.46%) Land $50,000 Building $279,000
2025	$4,213.00	$318,000 Land $50,000 Building $268,000	$318,000 Land $50,000 Building $268,000
2023	$4,235.00	$318,000 Land $50,000 Building $268,000	$318,000 Land $50,000 Building $268,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 701 Main St, #3 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

Wildfire risk around 701 Main St, #3 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.

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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