Kenton County property record for 831 Main St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,314 sqft · built 1886 |
| Lot Size | 0.051 acres (2,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,000 (Sep 2017) |
| Tax Bill | $4,531 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-44-16-008.00 |
| Primary APN | 040-44-16-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,314 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1886 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,250 sqft (0.051 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0404416008.00 |
|---|---|
| Street Address | 831 MAIN ST |
| City | COVINGTON |
| State | KY |
| Zip | 41011-1368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWK GEO LOT 20 & PT LOTS 1-2-3-21 25'X 90' WS MAIN ST 55.25' N OF 9TH ST |
| Legal Subdivision | HOWK GEO |
| Legal Phase | 1 |
| Legal Lot Number | 20,1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 60300 |
Source: Kenton County records · APN 040-44-16-008.00
Assessment roll updated April 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 831 MAIN ST, COVINGTON, KY 41011-1368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS |
| Sep 07, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNION SVGS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2017 · Amount on Record |
| Deed Sale | Sep 07, 2017 · Amount on Record |
| Prior Sale | Mar 03, 2014 · Amount on Record |
| Deed Document Number | 0000624321 |
| Deed Book / Page | 6243 / 21 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 831 MAIN ST, COVINGTON, KY 41011-1368 |
| Document Number | 0000000003 |
| Instrument Date | Sep 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 08, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 831 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368 |
| Document Number | 0000000003 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 000M97/000695 |
| Instrument | 3 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 14, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 07, 2017 |
| Property Address | 831 MAIN ST, COVINGTON, KY 41011-1368 |
| Document Number | 0000000175 |
| Book / Page | 006243 / 000021 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 175 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2017 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 831 MAIN ST COVINGTON KY 410111368, COVINGTON, KY 41011-1368 |
| Document Number | 176 |
|---|---|
| Date | Sep 07, 2017 |
| Book Page | 006243/000023 |
| Instrument | 176 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 06, 2047 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,531.00 (-0.53%) | $342,000 (-) Land $10,000 Building $332,000 | $342,000 (-) Land $10,000 Building $332,000 |
| 2023 | $4,555.00 | $342,000 Land $10,000 Building $332,000 | $342,000 Land $10,000 Building $332,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA, Verizon.
Based on FCC filings for 607 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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