827 Main St, Covington, KY 41011 Property Records

Kenton County property record for 827 Main St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 3,796 sqft · built 1888
Lot Size	0.05 acres (2,178 sqft)
Owner	Trust Name on File
Last Sale	$272,500 (Mar 2014)
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Dec 2020 Sale Mar 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`040-44-16-006.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-16-006.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,796 sqft Finished Area
Gross Area	3,916 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	827 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1368
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOWK GEO LOT 22
Legal Subdivision	HOWK GEO
Legal Lot Number	22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
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

827 Main St, a duplex, is owner-occupied and held in a trust since March 2014.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	827 MAIN ST, COVINGTON, KY 41011-1368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Grant Deed, Transfer NOT AVAILABLE
Mar 16, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2014 · Amount on File
Deed Sale	Mar 13, 2014 · Amount on File
Prior Sale	Jan 3, 2007 · Amount on File
Deed Document Number	201403 13 059 00069
Deed Book / Page	5373 / 41
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 1, 2020
Property Address	827 MAIN ST, COVINGTON, KY 41011-1368
Document Number	0000000209
Book / Page	000058 / 000417
Instrument Date	Oct 22, 2020
Instrument	209
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$395.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	827 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 16, 2017
Property Address	827 MAIN ST, COVINGTON, KY 41011-1368
Document Number	0000000080
Book / Page	0C6116 / 000333
Instrument Date	Mar 10, 2017
Instrument	80
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$395.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368

Tax Assessment & Valuation

The 2025 property tax bill for 827 Main St was $5,233.

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		$395,000 (-) Land $10,000 Building $385,000	$395,000 (-) Land $10,000 Building $385,000
2025	$5,233.00	$395,000 Land $10,000 Building $385,000	$395,000 Land $10,000 Building $385,000
2023	$5,261.00	$395,000 Land $10,000 Building $385,000	$395,000 Land $10,000 Building $385,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 827 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 827 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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