815 Main St, Covington, KY 41011 Property Records

Kenton County property record for 815 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,202 sqft · built 1886
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Dec 2021)
Tax Bill	$5,459 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-013.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-013.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,202 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Lot Area	2,178 sqft (0.05 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	815 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO LOT 26
Legal Subdivision	HOWK GEO
Legal Lot Number	26
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 December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	815 MAIN ST, COVINGTON, KY 41011-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 4, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Oct 7, 2011 · Amount on Record
Deed Document Number	20215900338
Deed Book / Page	134 / 997
Prior Transfer Date	Sep 22, 2011
Prior Transfer Doc	0005900065
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 3, 2021
Property Address	815 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0005900338
Book / Page	134 / 997
Map Reference	PL 245
Instrument Date	Nov 30, 2021
Instrument	21120305900338
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	NORTHWEST TTL FAM OF COMPANI

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	11 E XENIA DR, 11, COVINGTON, KY 41011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 MAIN ST, COVINGTON, KY 41011-1356

Mortgage

Document Number	0005900339
Date	Dec 3, 2021
Book Page	310/465
Instrument	21120305900339

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	815 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0000000122
Book / Page	ORC629 / 000065
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Feb 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 MAIN ST COVINGTON KY 410111356, COVINGTON, KY 41011-1356

Mortgage

Document Number	0000000122
Date	Nov 15, 2017
Book Page	ORC629/000065
Instrument	122

Lender

Name	PNC BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$5,459.00 (-0.51%)	$412,000 (-) Land $5,000 Building $407,000	$412,000 (-) Land $5,000 Building $407,000
2023	$5,487.00	$412,000 Land $5,000 Building $407,000	$412,000 Land $5,000 Building $407,000

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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