805 Main St, Covington, KY 41011 Property Records

Kenton County property record for 805 Main St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	2,632 sqft
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on File
Last Sale	$187,500 (Oct 2017)
Tax Bill	$2,484 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-009.01`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-009.01`

Interior

Units	8 Units
Stories	2 Stories
Building Area	2,632 sqft Finished Area

Exterior

Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	805 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1305
Property Category	Other
Property Type	Other > Other Improved
Legal Description	HOWK GEO LOT 31
Legal Subdivision	HOWK GEO
Legal Lot Number	31
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
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

805 Main St is owned by a company that acquired it in June 2021.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 15724, LATONIA, KY 41015-0724
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
Jul 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS DEPOSIT BANK
May 9, 2022	Deed of Trust, Mortgage FIRST GUARANTY BANK
Jul 20, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 24, 2019	Deed of Trust, Mortgage · Line of Credit FORCHT BK NA
Jun 24, 2019	Deed of Trust, Mortgage FORCHT BK NA
Oct 26, 2017	Warranty Deed, Transfer CENTRAL LAND TITLE AGENCY COMPANY
Oct 26, 2017	Warranty Deed, Transfer CENTRAL LAND TITLE AGENCY COMPANY
Mar 20, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Oct 26, 2017 · Amount on File
Deed Document Number	201710 26 059 00085
Deed Book / Page	6280 / 25
Last Transfer Date	Jun 18, 2021
Transfer Doc	0005900067
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 KILLINGTON LN, CINCINNATI, OH 45244-2583

Mortgage

Document Number	0005900111
Date	Jul 29, 2021
Book Page	249/561
Instrument	21072905900111

Lender

Name	CITIZENS DEPOSIT BANK
Type	Bank
Address	VANCEBURG, KY 41179

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jun 18, 2046

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 KILLINGTON LN, CINCINNATI, OH 45244-2583

Mortgage

Document Number	0005900183
Date	May 9, 2022
Book Page	369/73
Instrument	22050905900183

Lender

Name	FIRST GUARANTY BANK
Type	Bank
Address	VANCEBURG, KY 41179

Agreement

Amount	Amount on Record

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2021
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0005900067
Book / Page	104 / 746
Instrument Date	Jun 18, 2021
Instrument	21072005900067
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15724, COVINGTON, KY 41015-0724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15724, COVINGTON, KY 41015-0724

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0000000144
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 15724 COVINGTON KY 410150724, COVINGTON, KY 41015-0724

Mortgage

Document Number	0000000144
Date	Jun 26, 2019
Book Page	0C6691/000108
Instrument	144

Lender

Name	FORCHT BK NA
Type	Bank
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Jun 25, 2021

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0000000143
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 15724 COVINGTON KY 410150724, COVINGTON, KY 41015-0724

Mortgage

Document Number	0000000143
Date	Jun 26, 2019
Book Page	0C6691/000093
Instrument	143

Lender

Name	FORCHT BK NA
Type	Bank
Address	10505 TAYLORSVILLE RD, LOUISVILLE, KY 40299-3911

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 25, 2039

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 26, 2017
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0000000083
Book / Page	0C6280 / 000020
Instrument Date	Oct 13, 2017
Instrument	83
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	CENTRAL LAND TITLE AGENCY COMPANY

Transaction

Amount	Amount on Record
Tax	$187.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15724 COVINGTON KY 410150724, COVINGTON, KY 41015-0724

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 26, 2017
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0000000085
Book / Page	0C6280 / 000025
Instrument Date	Oct 13, 2017
Instrument	85
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	CENTRAL LAND TITLE AGENCY COMPANY

Transaction

Amount	Amount on Record
Tax	$187.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 15724 COVINGTON KY 410150724, COVINGTON, KY 41015-0724

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 20, 2017
Property Address	805 MAIN ST, COVINGTON, KY 41011-1305
Document Number	0000000198
Book / Page	0C6119 / 000120
Instrument Date	Mar 17, 2017
Instrument	198
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 KILLINGTON LN CINCINNATI OH 452442583, CINCINNATI, OH 45244-2583

Mortgage

Document Number	199
Date	Mar 20, 2017
Book Page	0C6119/000123
Instrument	199

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 805 Main St was $2,484.

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		$200,000 (+6.67%) Land $20,000 Building $180,000	$200,000 (+6.67%) Land $20,000 Building $180,000
2025	$2,484.00	$187,500 Land $20,000 Building $167,500	$187,500 Land $20,000 Building $167,500
2023	$2,497.00	$187,500 Land $20,000 Building $167,500	$187,500 Land $20,000 Building $167,500

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

Flood

FEMA maps place 805 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 805 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures