832 Main St, Covington, KY 41011 Property Records

Kenton County property record for 832 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,552 sqft · built 1865
Lot Size	0.007 acres (300 sqft)
Owner	Individual Name on Record
Last Sale	$76,000 (Jul 2013)
Tax Bill	$1,007 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-22-06-020.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-06-020.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,552 sqft Finished Area
Gross Area	3,135 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1865
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	300 sqft (0.007 acres)
Lot Dimensions	100 ft deep x 3 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	832 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 47 PT LOTS 20-21 33 1,3'X 100'
Legal Subdivision	GREERS ADDN
Legal Phase	47
Legal Block	47
Legal Lot Number	20,21
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1018
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 20, 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	832 MAIN ST, COVINGTON, KY 41011-1369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2013 · Amount on Record
Deed Sale	Jul 17, 2013 · Amount on Record
Deed Document Number	201307 17 059 00152
Deed Book / Page	5219 / 177
Prior Transfer Date	Sep 17, 2009
Prior Transfer Doc	0005900137
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	832 MAIN ST, COVINGTON, KY 41011-1369
Document Number	0000000220
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 MAIN ST COVINGTON KY 410111369, COVINGTON, KY 41011-1369

Mortgage

Document Number	0000000220
Date	Jul 18, 2017
Book Page	006204/000068
Instrument	220

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 17, 2027

Interest

Rate Type	Adjustable Rate

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		$148,600 (+95.53%) Land $10,000 Building $138,600	$148,600 (+95.53%) Land $10,000 Building $138,600
2025	$1,007.00 (-0.49%)	$76,000 (-) Land $5,000 Building $71,000	$76,000 (-) Land $5,000 Building $71,000
2023	$1,012.00	$76,000 Land $5,000 Building $71,000	$76,000 Land $5,000 Building $71,000

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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