834 Main St, Covington, KY 41011 Property Records

Kenton County property record for 834 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,945 sqft
Lot Size	0.068 acres (2,950 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Jul 2026)
Tax Bill	$3,513 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-06-019.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-06-019.00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,945 sqft Finished Area
Gross Area	2,355 sqft

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,950 sqft (0.068 acres)
Lot Dimensions	100 ft deep x 29.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	834 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 LOT 20 29.5'X 100'
Legal Subdivision	GREERS ADDN
Legal Phase	47
Legal Block	47
Legal Lot Number	20
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	834 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 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Dec 23, 2009 · Amount on Record
Deed Document Number	202614436
Deed Book / Page	458 / 410
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 13, 2026
Property Address	834 MAIN ST, COVINGTON, KY 41011-1369
Document Number	0000014436
Book / Page	458 / 410
Instrument Date	Jun 30, 2026
Instrument	202614436
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,540.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	834 MAIN ST, COVINGTON, KY 41011-1369

Mortgage

Document Number	0000014437,
Date	Jul 13, 2026
Instrument	2026071314437

Lender

Name	STOCK YARDS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$268,000 (+1.06%) Land $10,000 Building $258,000	$268,000 (+1.06%) Land $10,000 Building $258,000
2025	$3,513.00 (-0.54%)	$265,200 (-) Land $5,000 Building $260,200	$265,200 (-) Land $5,000 Building $260,200
2023	$3,532.00	$265,200 Land $5,000 Building $260,200	$265,200 Land $5,000 Building $260,200

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

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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