723 Main St, Covington, KY 41011 Property Records

Kenton County property record for 723 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,058 sqft · built 1894
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Aug 2025)
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-43-13-009.00`

Property Details

APN / Parcel Number

Primary APN	`040-43-13-009.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,058 sqft Finished Area

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	723 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHESTER & MANSFIELD BLK 38 PT LOT 13
Legal Subdivision	CHESTER & MANSFIELD
Legal Phase	38
Legal Block	38
Legal Lot Number	13
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

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	Individual Name on Record
Mailing Address	723 MAIN ST, COVINGTON, KY 41011-1354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 1, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2025 · Amount on Record
Deed Sale	Aug 27, 2025 · Amount on Record
Prior Sale	Apr 14, 2009 · Amount on Record
Deed Document Number	202539
Deed Book / Page	359 / 929
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	723 MAIN ST, COVINGTON, KY 41011-1354
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900152
Date	Apr 6, 2022
Book Page	357/750
Instrument	22040605900152

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

August 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 1, 2017
Property Address	723 MAIN ST, COVINGTON, KY 41011-1354
Document Number	0000000167
Book / Page	006214 / 000311
Instrument Date	Jul 24, 2017
Instrument	167
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 8, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 MAIN ST COVINGTON KY 410111354, COVINGTON, KY 41011-1354

Mortgage

Document Number	168
Date	Aug 1, 2017
Book Page	0C6214/000313
Instrument	168

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

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		$228,000 (+53.54%) Land $10,000 Building $218,000	$228,000 (+53.54%) Land $10,000 Building $218,000
2025	$1,967.00 (-0.56%)	$148,500 (-) Land $10,000 Building $138,500	$148,500 (-) Land $10,000 Building $138,500
2023	$1,978.00	$148,500 Land $10,000 Building $138,500	$148,500 Land $10,000 Building $138,500

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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