904 Main St, Covington, KY 41011 Property Records

Kenton County property record for 904 Main St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 2,603 sqft · built 1886
Lot Size	0.057 acres (2,501 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2020)
Tax Bill	$2,583 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-07-036.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-07-036.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,603 sqft Finished Area

Exterior

Year Built	Built 1886
Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,501 sqft (0.057 acres)
Lot Dimensions	106 ft deep x 23.6 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542207036.00
Street Address	904 MAIN ST
City	COVINGTON
State	KY
Zip	41011-2244
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	POWELL O R ESTATE PLAT 4 PT LOT 16 23.55'X 106'
Legal Subdivision	POWELL O R ESTATE
Legal Phase	4
Legal Lot Number	16
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
Census Tract	60700

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 November 27, 2025

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	501 HIGHLAND PIKE, COVINGTON, KY 41014-1146
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 7, 2020	Grant Deed, Transfer · Conventional Mortgage CITIZENS FED'L S&L ASSN/COVING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2020 · Amount on Record
Deed Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	0000047634
Deed Book / Page	47 / 634
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	904 MAIN ST, COVINGTON, KY 41011-2244
Transaction Type	Mortgage
Record Updated	Mar 10, 2022
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900020
Date	Feb 24, 2022
Book Page	341/176
Instrument	22022405900020

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 8, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 7, 2020
Property Address	904 MAIN ST, COVINGTON, KY 41011-2244
Document Number	0000000082
Book / Page	000047 / 000634
Instrument Date	Sep 20, 2020
Instrument	82
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 RUSSELL ST COVINGTON KY 410113057, COVINGTON, KY 41011-3057

Mortgage

Document Number	83
Date	Oct 7, 2020
Book Page	00M108/000268
Instrument	83

Lender

Name	CITIZENS FED'L S&L ASSN/COVING
Address	433 MADISON AVE, COVINGTON, KY 41011-1519

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 6, 2045

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,583.00 (-0.54%)	$195,000 (-) Land $10,000 Building $185,000	$195,000 (-) Land $10,000 Building $185,000
2023	$2,597.00	$195,000 Land $10,000 Building $185,000	$195,000 Land $10,000 Building $185,000

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 Policies	3 in force
Nearby Flood Claims	4 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 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	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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