902 Madison Ave, #4, Covington, KY 41011 Property Records

Kenton County property record for 902 Madison Ave, #4, Covington, KY 41011

Property Summary

Property Type	Restaurant
Details	2,652 sqft · built 1872
Lot Size	0.066 acres (2,864 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Jul 2026)
Tax Bill	$1,987 (2025)
Deeds & Mortgages	Jul 2026 Sale Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-24-06-001.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-06-001.00`

Interior

Building Area	2,652 sqft Finished Area

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1872
Lot Area	2,864 sqft (0.066 acres)
Lot Dimensions	83 ft deep x 34.5 ft wide

Location & Zoning

Street Address	902 MADISON AVE, 4
City	COVINGTON
State	KY
Zip	41011-3112
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	34.50X83 PT LOT 46-47 BAP 1ST SEC 9TH & MADISON
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	46,47
Legal Unit	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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	Company Name on Record
Mailing Address	10048 MEADOW GLEN DR, INDEPENDENCE, KY 41051-2531
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage NORTH SIDE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	May 27, 2005 · Amount on Record
Deed Document Number	202614393
Deed Book / Page	458 / 80
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 10, 2026
Property Address	902 MADISON AVE, 4, COVINGTON, KY 41011-3112
Document Number	0000014393
Book / Page	458 / 80
Instrument Date	Jul 1, 2026
Instrument	202614393
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$22,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	10048 MEADOW GLEN DR, INDEPENDENCE, KY 41051-2531

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	902 MADISON AVE # 4, 4, COVINGTON, KY 41011-3112
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 MADISON AVE, COVINGTON, KY 41011-3112
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900172
Date	Dec 29, 2021
Book Page	319/110
Instrument	21122905900172

Lender

Name	NORTH SIDE BANK & TRUST COMPANY
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Nov 12, 2022

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		$186,000 (+24%) Land $24,000 Building $162,000	$186,000 (+24%) Land $24,000 Building $162,000
2025	$1,987.00 (-0.55%)	$150,000 (-) Land $20,000 Building $130,000	$150,000 (-) Land $20,000 Building $130,000
2023	$1,998.00	$150,000 Land $20,000 Building $130,000	$150,000 Land $20,000 Building $130,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	None beyond 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 656 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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