822 Main St, Covington, KY 41011 Property Records

Kenton County property record for 822 Main St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	5,347 sqft
Lot Size	0.067 acres (2,949 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`054-22-05-014.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-05-014.00`

Interior

Units	20 Units
Building Area	5,347 sqft Finished Area

Exterior

Lot Area	2,949 sqft (0.067 acres)
Lot Dimensions	92 ft deep x 36 ft wide

Location & Zoning

Street Address	822 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1364
Property Category	Other
Property Type	Other > Other Improved
Legal Description	GREERS ADDN BLK 47 PT LOT 1 36'X 92' IRREG
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	61 BIEHL ST, NEWPORT, KY 41071-2377
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Deed of Trust, Mortgage DAVID A GROSS LIFETIME TRUST
Jan 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2013
Deed Sale	Jan 4, 2013
Prior Sale	Dec 21, 2012
Deed Document Number	201301 04 059 00213
Deed Book / Page	5049 / 6
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	822 MAIN ST, COVINGTON, KY 41011-1364
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900043
Date	Mar 14, 2023
Book Page	KCM 446/298
Instrument	23031405900043

Lender

Name	DAVID A GROSS LIFETIME TRUST
Type	Private Party
Address	PO BOX 72130, NEWPORT, KY 41072

Agreement

Amount	Amount Recorded
Term	225 Months
Due	Dec 1, 2041

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 3, 2017
Property Address	822 MAIN ST, COVINGTON, KY 41011-1364
Document Number	0000000133
Book / Page	0C6066 / 000127
Instrument Date	Jan 3, 2017
Instrument	133
Transaction Type	Transfer
Record Updated	May 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	418 W 1TH ST NEWPORT KY 41071, NEWPORT, KY 41071

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		$270,000 (+2%) Land $30,000 Building $240,000	$270,000 (+2%) Land $30,000 Building $240,000
2025	$2,981.00 (-0.53%)	$225,000 (-) Land $30,000 Building $195,000	$225,000 (-) Land $30,000 Building $195,000
2023	$2,997.00	$225,000 Land $30,000 Building $195,000	$225,000 Land $30,000 Building $195,000

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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