712 Main St, Covington, KY 41011 Property Records

Kenton County property record for 712 Main St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 1,960 sqft · built 1880
Lot Size	0.039 acres (1,722 sqft)
Owner	Individual Name on Record
Last Sale	$210,500 (Nov 2018)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-05-017.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-05-017.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,960 sqft Finished Area

Exterior

Year Built	Built 1880
Exterior Material	Brick
Foundation Type	Stone
Lot Area	1,722 sqft (0.039 acres)
Lot Dimensions	82 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0542105017.00
Street Address	712 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1363
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	GREERS ADDN BLK 37 PT LOT 3 21'X 82' ES MAIN 95' S 7TH
Legal Subdivision	GREERS ADDN
Legal Phase	37
Legal Block	37
Legal Lot Number	3
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

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	Individual Name on Record
Mailing Address	712 MAIN ST, COVINGTON, KY 41011-1363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · FHA Mortgage GUARDIAN SVGS BK
Nov 7, 2018	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Jun 20, 2016 · Amount on Record
Deed Document Number	0000654076
Deed Book / Page	6540 / 76
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	712 MAIN ST, COVINGTON, KY 41011-1363
Document Number	00M1130594
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 MAIN ST #1 COVINGTON KY 410111363, 1, COVINGTON, KY 41011-1363

Mortgage

Document Number	00M1130594
Date	Oct 20, 2020
Book Page	00M113/000594

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 7, 2018
Property Address	712 MAIN ST, COVINGTON, KY 41011-1363
Document Number	0000000132
Book / Page	0C6540 / 000076
Instrument Date	Nov 5, 2018
Instrument	132
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 MAIN ST COVINGTON KY 410111363, COVINGTON, KY 41011-1363

Mortgage

Document Number	133
Date	Nov 7, 2018
Book Page	ORC654/000079
Instrument	133

Lender

Name	FINANCE OF AMERICA MTG
Address	WILDER, KY 41071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2048

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	$2,915.00 (-0.51%)	$220,000 (-) Land $5,000 Building $215,000	$220,000 (-) Land $5,000 Building $215,000
2023	$2,930.00	$220,000 Land $5,000 Building $215,000	$220,000 Land $5,000 Building $215,000

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	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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