809 Madison Ave, #11, Covington, KY 41011 Property Records

Kenton County property record for 809 Madison Ave, #11, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	13,744 sqft
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$642,000 (Oct 2018)
Tax Bill	$16,940 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-02-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-02-005.00`

Interior

Building Area	13,744 sqft Finished Area

Exterior

Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	100 ft deep x 31 ft wide

Location & Zoning

Street Address	809 MADISON AVE, 11
City	COVINGTON
State	KY
Zip	41011-2413
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	FOOTES ADDN S 35.5' 162-163 & E 20' 161
Legal Subdivision	FOOTES ADDN
Legal Phase	3
Legal Lot Number	161,16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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	Company Name on Record
Mailing Address	12 PIKE ST, B, COVINGTON, KY 41011-2372
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage FORCHT BANK NA
Apr 20, 2020	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY
Aug 19, 2019	Deed of Trust, Mortgage FORCHT BK NA
Aug 16, 2019	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY
Feb 6, 2019	Deed of Trust, Mortgage · Line of Credit FORCHT BK NA
Dec 12, 2018	Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY
Oct 25, 2018	Warranty Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC
Sep 12, 2017	Warranty Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	Sep 12, 2017 · Amount on Record
Deed Document Number	201810 25 059 00177
Deed Book / Page	6531 / 300
Last Transfer Date	Sep 11, 2023
Transfer Doc	0000000133
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900129
Date	Dec 21, 2021
Book Page	316/233
Instrument	21122105900129

Lender

Name	FORCHT BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Dec 31, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000204
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5866 FAIRVIEW PL AGOURA HILLS CA 913012232, AGOURA HILLS, CA 91301-2232

Mortgage

Document Number	0000000204
Date	May 21, 2020
Book Page	000M47/000238
Instrument	204

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	20 W PIKE ST, COVINGTON, KY 41011-2711

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 20, 2025

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000016
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5866 FAIRVIEW PL AGOURA HILLS CA 913012232, AGOURA HILLS, CA 91301-2232

Mortgage

Document Number	0000000016
Date	Aug 21, 2019
Book Page	0C6734/000314
Instrument	16

Lender

Name	FORCHT BK NA
Type	Bank
Address	2404 SIR BARTON WAY, LEXINGTON, KY 40509-2267

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2039

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000171
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5866 FAIRVIEW PL AGOURA HILLS CA 913012232, AGOURA HILLS, CA 91301-2232

Mortgage

Document Number	0000000171
Date	Nov 22, 2019
Book Page	0C6808/000207
Instrument	171

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	20 W PIKE ST, COVINGTON, KY 41011-2711

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 21, 2024

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000159
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5866 FAIRVIEW PL AGOURA HILLS CA 913012232, AGOURA HILLS, CA 91301-2232

Mortgage

Document Number	0000000159
Date	Feb 7, 2019
Book Page	0C6595/000332
Instrument	159

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 6, 2039

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000211
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 MADISON AVE #11 COVINGTON KY 410112413, 11, COVINGTON, KY 41011-2413

Mortgage

Document Number	0000000211
Date	Apr 16, 2019
Book Page	0C6640/000216
Instrument	211

Lender

Name	MISCELLANEOUS GOVT AGCY

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 15, 2024

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 25, 2018
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000177
Book / Page	0C6531 / 000300
Instrument Date	Oct 15, 2018
Instrument	177
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$642.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5866 FAIRVIEW PL AGOURA HILLS CA 913012232, AGOURA HILLS, CA 91301-2232

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 12, 2017
Property Address	809 MADISON AVE # 11, 11, COVINGTON, KY 41011-2413
Document Number	0000000116
Book / Page	0C6246 / 000221
Instrument Date	Jul 20, 2017
Instrument	116
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 NEW LINDEN RD NEWPORT KY 410712628, NEWPORT, KY 41071-2628

Mortgage

Document Number	118
Date	Sep 12, 2017
Book Page	0C6246/000227
Instrument	118

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	OMAHA, NE 68130

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Sep 11, 2019

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		$1,278,500 (-) Land $80,000 Building $1,198,500	$1,278,500 (-) Land $80,000 Building $1,198,500
2025	$16,940.00 (+35.88%)	$1,278,500 (+36.59%) Land $80,000 Building $1,198,500	$1,278,500 (+36.59%) Land $80,000 Building $1,198,500
2023	$12,467.00	$936,000 Land $80,000 Building $856,000	$936,000 Land $80,000 Building $856,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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 656 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 Madison Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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