813 Madison Ave, Covington, KY 41011 Property Records

Kenton County property record for 813 Madison Ave, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	7,692 sqft · built 1977
Lot Size	0.31 acres (13,524 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (Feb 2022)
Tax Bill	$13,375 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-03-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-03-005.00`

Interior

Building Area	7,692 sqft Finished Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	13,524 sqft (0.31 acres)
Lot Dimensions	138 ft deep x 98.2 ft wide

Location & Zoning

Street Address	813 MADISON AVE
City	COVINGTON
State	KY
Zip	41011-2413
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	98.2X138.25 IRREG PT LOTS 13-14 15 BAPTIST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	13,14
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	814 WASHINGTON ST, COVINGTON, KY 41011-3882
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage WESBANCO BANK INC
Feb 15, 2024	Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC
Jul 21, 2021	Warranty Deed, Transfer · Commercial Mortgage WESBANCO BANK INC
May 10, 2019	Warranty Deed, Transfer FIRST CMNWLT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	202246
Deed Book / Page	148 / 175
Prior Transfer Date	May 7, 2019
Prior Transfer Doc	0005900199
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	813 MADISON AVE, COVINGTON, KY 41011-2413
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7415 BURLINGTON PIKE, FLORENCE, KY 41042-1566

Mortgage

Document Number	0005900047
Date	Feb 15, 2022
Book Page	337/630
Instrument	22021505900047

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	FORT THOMAS, KY 41075

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 11, 2027

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	813 MADISON AVE, COVINGTON, KY 41011-2413
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 WASHINGTON ST, COVINGTON, KY 41011-3882

Mortgage

Document Number	0005900090
Date	Feb 15, 2024
Book Page	KCM 526/598
Instrument	24021505900090

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	NEWPORT, KY 41071

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 9, 2031

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2021
Property Address	813 MADISON AVE, COVINGTON, KY 41011-2413
Document Number	0005900077
Book / Page	105 / 357
Instrument Date	Jul 16, 2021
Instrument	21072105900077
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6014 GAINES RD, CINCINNATI, OH 45247-5820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 MADISON AVE, COVINGTON, KY 41011-2413

Mortgage

Document Number	0005900150
Date	Jul 21, 2021
Instrument	21072605900150

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 10, 2019
Property Address	813 MADISON AVE, COVINGTON, KY 41011-2413
Document Number	0000000199
Book / Page	0C6657 / 000304
Instrument Date	May 9, 2019
Instrument	199
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	813 MADISON AVE COVINGTON KY 410112413, COVINGTON, KY 41011-2413

Mortgage

Document Number	202
Date	May 10, 2019
Book Page	0C6657/000317
Instrument	202

Lender

Name	FIRST CMNWLT BK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 9, 2029

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		$1,009,500 (-) Land $77,500 Building $932,000	$1,009,500 (-) Land $77,500 Building $932,000
2025	$13,375.00 (+43.45%)	$1,009,500 (+44.21%) Land $77,500 Building $932,000	$1,009,500 (+44.21%) Land $77,500 Building $932,000
2023	$9,324.00	$700,000 Land $77,500 Building $622,500	$700,000 Land $77,500 Building $622,500

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 · 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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