906 Madison Ave, Covington, KY 41011 Property Records

Kenton County property record for 906 Madison Ave, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,400 sqft · built 1889
Lot Size	0.034 acres (1,494 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Aug 2013)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-06-024.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-06-024.00`

Interior

Total Rooms	6 Rooms
Building Area	2,400 sqft Finished Area

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Lot Area	1,494 sqft (0.034 acres)
Lot Dimensions	83 ft deep x 18 ft wide

Location & Zoning

Street Address	906 MADISON AVE
City	COVINGTON
State	KY
Zip	41011-3112
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	18X83 PT LOTS 46-47 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	46,47
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	910 MADISON AVE, COVINGTON, KY 41011-3112
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
Mar 10, 2020	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2013 · Amount on Record
Deed Sale	Aug 2, 2013 · Amount on Record
Prior Sale	Jun 4, 2004 · Amount on Record
Deed Document Number	201308 02 059 00111
Deed Book / Page	5235 / 98
Prior Transfer Date	Apr 13, 2007
Prior Transfer Doc	0005900199
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	906 MADISON AVE, COVINGTON, KY 41011-3112
Transaction Type	Mortgage
Record Updated	Jan 12, 2024
Title Company	EXACT TITLE SERVICES LLC, EXCEL TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 MADISON AVE, COVINGTON, KY 41011-2414

Mortgage

Document Number	0005900078
Date	Dec 22, 2023
Book Page	KCM 516/419
Instrument	23122205900078

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 7, 2033

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	906 MADISON AVE, COVINGTON, KY 41011-3112
Document Number	0000000084
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	910 MADISON AVE COVINGTON KY 410113112, COVINGTON, KY 41011-3112

Mortgage

Document Number	0000000084
Date	Mar 12, 2020
Book Page	000M19/000170
Instrument	84

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 11, 2030

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	906 MADISON AVE, COVINGTON, KY 41011-3112
Document Number	0000000183
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	910 MADISON AVE COVINGTON KY 410113112, COVINGTON, KY 41011-3112

Mortgage

Document Number	0000000183
Date	Jan 14, 2019
Book Page	0C6581/000330
Instrument	183

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 13, 2029

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		$240,000 (+9.09%) Land $20,000 Building $220,000	$240,000 (+9.09%) Land $20,000 Building $220,000
2025	$2,915.00 (-0.51%)	$220,000 (-) Land $20,000 Building $200,000	$220,000 (-) Land $20,000 Building $200,000
2023	$2,930.00	$220,000 Land $20,000 Building $200,000	$220,000 Land $20,000 Building $200,000

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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