812 Madison Ave, Covington, KY 41011 Property Records

Kenton County property record for 812 Madison Ave, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 ba · 2,580 sqft · built 1890
Lot Size	0.057 acres (2,500 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Jul 2022)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Nov 2022 Sale Nov 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-09-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-09-008.00`

Interior

Building Area	2,580 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Location & Zoning

Street Address	812 MADISON AVE
City	COVINGTON
State	KY
Zip	41011-2414
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	FOOTES ADDN PT LOTS 164-165 25X100' NEC MADISON AVE & SARATOGA ALLEY
Legal Subdivision	FOOTES ADDN
Legal Lot Number	164,16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Warranty Deed, Transfer
Nov 18, 2022	Warranty Deed, Transfer
Jul 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JAMES E MACKE
Jul 19, 2022	Warranty Deed, Transfer
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit CINFED CU
Dec 26, 2019	Loan Modification, Mortgage HUNTINGTON NAT'L BK
Aug 29, 2017	Loan Modification, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Oct 6, 2000 · Amount on Record
Deed Document Number	2022159
Deed Book / Page	178 / 4
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 18, 2022
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0005900065
Book / Page	201 / 89
Instrument Date	Nov 10, 2022
Instrument	22111805900065
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	812 MADISON AVE, 812, COVINGTON, KY 41011-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 MADISON AVE, COVINGTON, KY 41011-2414

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 18, 2022
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0005900065
Book / Page	201 / 89
Instrument Date	Nov 10, 2022
Instrument	22111805900065
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	812 MADISON AVE, 812, COVINGTON, KY 41011-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 MADISON AVE, COVINGTON, KY 41011-2414

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 19, 2022
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0005900159
Book / Page	178 / 1
Map Reference	PL 85
Instrument Date	Jul 14, 2022
Instrument	22071905900159
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 E DUGAN HOLLOW RD, 1708, MADISON, IN 47250-9399

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	812 MADISON AVE, COVINGTON, KY 41011-2414

Mortgage

Document Number	0005900160
Date	Jul 19, 2022
Book Page	390/38
Instrument	22071905900160

Lender

Name	JAMES E MACKE
Type	Private Party
Address	1708 EAST GUGGAN, MADISON, IN 47250

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Jul 31, 2025

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 19, 2022
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0005900159
Book / Page	178 / 1
Map Reference	PL 85
Instrument Date	Jul 14, 2022
Instrument	22071905900159
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 E DUGAN HOLLOW RD, 1708, MADISON, IN 47250-9399

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	812 MADISON AVE, COVINGTON, KY 41011-2414

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900035
Date	Aug 10, 2021
Book Page	253/678
Instrument	21081005900035

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0000000019
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 E DUGAN HOLLOW RD MADISON IN 472509399, MADISON, IN 47250-9399

Mortgage

Document Number	0000000019
Date	Jan 10, 2020
Book Page	000001/000906
Instrument	19

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 9, 2025

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	812 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0000000194
Book / Page	0C6274 / 000161
Instrument Date	Aug 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000194
Date	Oct 17, 2017
Book Page	0C6274/000161
Instrument	194

Lender

Name	BRANCH BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 16, 2022

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		$125,000 (+13.64%) Land $30,000 Building $95,000	$125,000 (+13.64%) Land $30,000 Building $95,000
2025	$1,457.00 (-0.55%)	$110,000 (-) Land $22,000 Building $88,000	$110,000 (-) Land $22,000 Building $88,000
2023	$1,465.00	$110,000 Land $22,000 Building $88,000	$110,000 Land $22,000 Building $88,000

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.

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