813 Main St, Covington, KY 41011 Property Records

Kenton County property record for 813 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,508 sqft · built 1896
Lot Size	0.052 acres (2,250 sqft)
Owner	Company Name on Record
Last Sale	$390,000 (Mar 2023)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-012.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-012.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Finished Area
Gross Area	2,528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1896
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,250 sqft (0.052 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	813 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO LOT 27 25'X 90' WS MAIN ST
Legal Subdivision	HOWK GEO
Legal Lot Number	27
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

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	43 COVERT PL, FORT THOMAS, KY 41075-1075
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on Record
Deed Sale	Mar 8, 2023 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	2023228
Deed Book / Page	216 / 788
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 8, 2023
Property Address	813 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0005900228
Book / Page	KC 216 / 788
Instrument Date	Feb 27, 2023
Instrument	23030805900228
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	LAWYERS TTL OF CINCINNATI IN

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	5929 LAWRENCE RD, CINCINNATI, OH 45248-4021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 COVERT PL, FORT THOMAS, KY 41075-1075

Mortgage

Document Number	0005900229
Date	Mar 8, 2023
Instrument	23030805900229

Lender

Name	EAGLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2028

Mortgage

Document Number	0005900266
Date	Mar 8, 2023
Book Page	KCM 445/258
Instrument	23030805900266

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Sep 1, 2051

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		$390,000 (-) Land $10,000 Building $380,000	$390,000 (-) Land $10,000 Building $380,000
2025	$5,167.00 (+35.65%)	$390,000 (+36.36%) Land $5,000 Building $385,000	$390,000 (+36.36%) Land $5,000 Building $385,000
2023	$3,809.00	$286,000 Land $5,000 Building $281,000	$286,000 Land $5,000 Building $281,000

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

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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