706 Main St, Covington, KY 41011 Property Records

Kenton County property record for 706 Main St, Covington, KY 41011

Property Summary

Property Type	Parking Lot
Lot Size	0.03 acres (1,307 sqft)
Owner	Company Name on File
Last Sale	$210,000 (Nov 2025)
Tax Bill	$198 (2025)
Deeds & Mortgages	Nov 2025 Sale & Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-05-018.02`

Property Details

APN / Parcel Number

Primary APN	`054-21-05-018.02`

Exterior

Lot Area	1,307 sqft (0.03 acres)

Location & Zoning

Street Address	706 MAIN ST
City	COVINGTON
State	KY
Zip	41011
Property Category	Commercial
Property Type	Commercial > Retail > Parking Lot
Legal Description	GREERS ADDN BLK 37 21' OF LOT 5 & FRONTING 21' ON ES MAIN ST
Legal Subdivision	GREERS ADDN
Legal Phase	37
Legal Block	37
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
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

706 Main St, a commercial property, is owned by a company that bought it in November 2025.

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

Owner of Record	Company Name on File
Mailing Address	1717 DIXIE HWY, 8, FT WRIGHT, KY 41011-2766
Owner Type	Company
Vesting	Limited Liability Partnership

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
Nov 13, 2025	Warranty Deed, Transfer · Line of Credit CLIFFORD E KENNEDY
Jan 31, 2018	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Jan 18, 1996 · Amount on File
Deed Document Number	2025156
Deed Book / Page	374 / 222
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2025
Property Address	706 MAIN ST, COVINGTON, KY 41011
Document Number	0005900156
Book / Page	KC 374 / 222
Map Reference	MB 821 PG 248
Instrument Date	Nov 12, 2025
Instrument	25111305900156
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	AGILITY CLOSING TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 EVERGREEN AVE, SOUTHGATE, KY 41071-3118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 DIXIE HWY, FT WRIGHT, KY 41011-2766

Mortgage

Document Number	0005900157
Date	Nov 13, 2025
Book Page	KCM 706/29
Instrument	25111305900157

Lender

Name	CLIFFORD E KENNEDY
Type	Private Party
Address	218 EVERGREEN AVE, SOUTHGATE, KY 41071

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	56 Months
Due	Jul 1, 2030

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	706 MAIN ST, COVINGTON, KY 41011
Document Number	0000000096
Book / Page	0C6345 / 000038
Instrument Date	Jan 31, 2018
Transaction Type	Mortgage
Record Updated	Feb 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 MAIN ST COVINGTON KY 410111355, COVINGTON, KY 41011-1355

Mortgage

Document Number	0000000096
Date	Feb 1, 2018
Book Page	0C6345/000038
Instrument	96

Lender

Name	BRANCH BK&TR
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 31, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 706 Main St was $198.

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		$15,000 (-) Land $12,500 Building $2,500	$15,000 (-) Land $12,500 Building $2,500
2025	$198.00	$15,000 Land $12,500 Building $2,500	$15,000 Land $12,500 Building $2,500
2023	$199.00	$15,000 Land $12,500 Building $2,500	$15,000 Land $12,500 Building $2,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 706 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

Wildfire risk around 706 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	Indirect within 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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