817 Main St, Covington, KY 41011 Property Records

Kenton County property record for 817 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,260 sqft · built 1886
Lot Size	0.052 acres (2,250 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Nov 2025)
Tax Bill	$5,700 (2025)
Deeds & Mortgages	Nov 2025 Sale Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-014.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-014.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,260 sqft Finished Area
Gross Area	2,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
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	817 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO LOT 25 25'X 90' WS MAIN 64 3,4' N EMMA
Legal Subdivision	HOWK GEO
Legal Lot Number	25
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

817 Main St is owned and occupied by two individuals who bought it in November 2025.

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	2 Individual Names on File
Mailing Address	817 MAIN ST, COVINGTON, KY 41011-1356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES
Dec 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Dec 21, 2021 · Amount on File
Deed Document Number	202558
Deed Book / Page	372 / 184
Prior Transfer Date	Sep 23, 2021
Prior Transfer Doc	0005900254
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 3, 2025
Property Address	817 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0005900058
Book / Page	KC 372 / 184
Instrument Date	Oct 30, 2025
Instrument	25110305900058
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 MARIAN DR, FORT THOMAS, KY 41075-1254

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	817 MAIN ST, COVINGTON, KY 41011-1356

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Dec 21, 2021
Property Address	817 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0005900254
Book / Page	138 / 29
Map Reference	PL 245
Instrument Date	Sep 25, 2021
Instrument	21122105900254
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	AVENUE 365 LENDER SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 MAIN ST # 819, 819, COVINGTON, KY 41011-1356

Mortgage

Document Number	0005900255
Date	Dec 21, 2021
Book Page	316/321
Instrument	21122105900255

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 817 Main St was $5,700, up 187.2% from the year before.

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		$490,000 (+13.9%) Land $10,000 Building $480,000	$490,000 (+13.9%) Land $10,000 Building $480,000
2025	$5,700.00 (+187.15%)	$430,200 (+184.9%) Land $5,000 Building $425,200	$430,200 (+184.9%) Land $5,000 Building $425,200
2024	$1,985.00 (-1.29%)	$151,000 (-) Land $5,000 Building $146,000	$151,000 (-) Land $5,000 Building $146,000
2023	$2,011.00	$151,000 Land $5,000 Building $146,000	$151,000 Land $5,000 Building $146,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 817 Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 817 Main St is low, with a 0.01% annual chance of 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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