829 Main St, Covington, KY 41011 Property Records

Kenton County property record for 829 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,823 sqft · built 1886
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2017)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-44-16-007.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-16-007.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,823 sqft Finished Area

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 23 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	829 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO PT LOT 21 23 3,4' WS MAIN 25' S EMMA
Legal Subdivision	HOWK GEO
Legal Lot Number	21
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

Source: Kenton County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	829 MAIN ST, COVINGTON, KY 41011-1368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
May 4, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2017 · Amount on Record
Deed Sale	May 4, 2017 · Amount on Record
Prior Sale	Oct 4, 2016 · Amount on Record
Deed Document Number	201705 04 059 00237
Deed Book / Page	6151 / 1
Prior Transfer Date	Feb 16, 2015
Prior Transfer Doc	0005900167
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	829 MAIN ST, COVINGTON, KY 41011-1368
Document Number	0000000078
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368

Mortgage

Document Number	0000000078
Date	Jul 12, 2019
Book Page	0C6703/000003
Instrument	78

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 4, 2017
Property Address	829 MAIN ST, COVINGTON, KY 41011-1368
Document Number	0000000237
Book / Page	006151 / 000001
Instrument Date	Apr 21, 2017
Instrument	237
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368

Mortgage

Document Number	239
Date	May 4, 2017
Book Page	006151/000004
Instrument	239

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

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		$300,000 (-) Land $10,000 Building $290,000	$300,000 (-) Land $10,000 Building $290,000
2025	$3,975.00 (-0.53%)	$300,000 (-) Land $10,000 Building $290,000	$300,000 (-) Land $10,000 Building $290,000
2023	$3,996.00	$300,000 Land $10,000 Building $290,000	$300,000 Land $10,000 Building $290,000

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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