820 Main St, Covington, KY 41011 Property Records

Kenton County property record for 820 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,960 sqft
Lot Size	0.062 acres (2,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Feb 2005)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-05-015.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-05-015.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,960 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Combination
Foundation Type	Stone
Roof Material	Slate
Lot Area	2,717 sqft (0.062 acres)
Lot Dimensions	84.9 ft deep x 32 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 47 PT LOT 1 32'X 84.9'
Legal Subdivision	GREERS ADDN
Legal Phase	47
Legal Block	47
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	820 MAIN ST, COVINGTON, KY 41011-1357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 2, 2020	Deed of Trust, Mortgage US BK
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2005 · Amount on Record
Deed Sale	Feb 23, 2005 · Amount on Record
Deed Document Number	200502 23 059 00096
Deed Book / Page	2507 / 66
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	820 MAIN ST, COVINGTON, KY 41011-1357
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 MAIN ST, COVINGTON, KY 41011-1357

Mortgage

Document Number	0005900148
Date	Nov 22, 2021
Book Page	304/850
Instrument	21112205900148

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 16, 2041

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	820 MAIN ST, COVINGTON, KY 41011-1357
Document Number	0000000216
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	820 MAIN ST COVINGTON KY 410111357, COVINGTON, KY 41011-1357

Mortgage

Document Number	0000000216
Date	Jul 6, 2020
Book Page	000M66/000320
Instrument	216

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	820 MAIN ST, COVINGTON, KY 41011-1357
Document Number	0000000361
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	820 MAIN ST COVINGTON KY 410111357, COVINGTON, KY 41011-1357

Mortgage

Document Number	0000000361
Date	Sep 19, 2019
Book Page	0C6758/000239
Instrument	361

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$325,400 (+35.58%) Land $10,000 Building $315,400	$325,400 (+35.58%) Land $10,000 Building $315,400
2025	$3,180.00 (-0.5%)	$240,000 (-) Land $5,000 Building $235,000	$240,000 (-) Land $5,000 Building $235,000
2023	$3,196.00	$240,000 Land $5,000 Building $235,000	$240,000 Land $5,000 Building $235,000

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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