Kenton County property record for 823 Main St, Covington, KY 41011
| Property Type | Triplex |
|---|---|
| Details | 3 bd · 3 ba · 2,133 sqft · built 1886 |
| Lot Size | 0.052 acres (2,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,250 (Sep 2016) |
| Tax Bill | $1,457 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-44-15-016.00 |
| Primary APN | 040-44-15-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Units | 12 Units |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Finished Area |
| Gross Area | 2,589 sqft |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Triplex |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Lot Area | 2,250 sqft (0.052 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Garage Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 823 MAIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1356 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | HOWK GEO PT LOT 23 25'X 90' NWC MAIN & EMMA |
| Legal Subdivision | HOWK GEO |
| Legal Lot Number | 23 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 60300 |
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.
823 Main St, a triplex, is owned and occupied by an individual who bought it in September 2016.
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 | Individual Name on File |
|---|---|
| Mailing Address | 823 MAIN ST, COVINGTON, KY 41011-1356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2016 · Amount on File |
| Deed Sale | Sep 19, 2016 · Amount on File |
| Prior Sale | Sep 26, 2006 · Amount on File |
| Deed Document Number | 201609 19 059 00179 |
| Deed Book / Page | 5986 / 205 |
| Prior Transfer Date | Jan 23, 2004 |
| Prior Transfer Doc | 0202059002 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 823 Main St was $1,457.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,000 (+36.36%) Land $10,000 Building $140,000 | $150,000 (+36.36%) Land $10,000 Building $140,000 | |
| 2025 | $1,457.00 | $110,000 Land $5,000 Building $105,000 | $110,000 Land $5,000 Building $105,000 |
| 2023 | $1,465.00 | $110,000 Land $5,000 Building $105,000 | $110,000 Land $5,000 Building $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 823 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 risk around 823 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.
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 |
| 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.
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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