826 Madison Ave, Covington, KY 41011 Property Records

Kenton County property record for 826 Madison Ave, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	11,439 sqft · built 1899
Lot Size	0.09 acres (3,924 sqft)
Owner	Company Name on Record
Tax Bill	$5,406 (2025)
Deeds & Mortgages	Oct 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`054-23-10-011.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-10-011.00`

Interior

Building Area	11,439 sqft Finished Area

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Lot Area	3,924 sqft (0.09 acres)
Lot Dimensions	95 ft deep x 41.3 ft wide

Location & Zoning

Street Address	826 MADISON AVE
City	COVINGTON
State	KY
Zip	41011-2414
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	41.33X95 PT LOT 16-17 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	16,17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1005
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	830 MADISON AVE, COVINGTON, KY 41011-2414
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2023
Property Address	826 MADISON AVE, COVINGTON, KY 41011-2414
Document Number	0005900006
Book / Page	KC 251 / 802
Instrument Date	Oct 12, 2023
Instrument	23101605900006
Transaction Type	Transfer
Record Updated	Oct 26, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	845 NIEWAHNER DR, VILLA HILLS, KY 41017-1060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 MADISON AVE, COVINGTON, KY 41011-2414

Mortgage

Document Number	0005900075
Date	Oct 17, 2023
Book Page	KCM 500/1
Instrument	23101705900075

Lender

Name	CATALYTIC DEVELOPMENT FUDNDING CORP OF N
Type	Non-Lending Institution
Address	COVINGTON, KY 41011

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Oct 12, 2029

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		$686,000 (+68.14%) Land $31,500 Building $654,500	$686,000 (+68.14%) Land $31,500 Building $654,500
2025	$5,406.00 (+153.68%)	$408,000 (+155%) Land $31,500 Building $376,500	$408,000 (+155%) Land $31,500 Building $376,500
2023	$2,131.00 (+0.85%)	$160,000 (-) Land $31,500 Building $128,500	$160,000 (-) Land $31,500 Building $128,500
2022	$2,113.00	$160,000 Land $31,500 Building $128,500	$160,000 Land $31,500 Building $128,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	None beyond 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 656 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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