Kenton County property record for 914 Main St, Covington, KY 41011
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,295 sqft |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Jan 2018) |
| Tax Bill | $2,650 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-07-031.00 |
| Primary APN | 054-22-07-031.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,295 sqft Finished Area |
| Gross Area | 2,330 sqft |
| Architectural Style | Duplex Single |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 106 ft deep x 30.3 ft wide |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Electric |
| Street Address | 914 MAIN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2123 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | POWELL O R ESTATE PLAT 4 LOT 20 & PT 19 30.33'X 106' IRREG ES MAIN 154.35' S 9TH |
| Legal Subdivision | POWELL O R ESTATE |
| Legal Phase | 4 |
| Legal Lot Number | 20,19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 60700 |
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.
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 | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| May 19, 2020 | Deed of Trust, Mortgage · Line of Credit US BK |
| May 19, 2020 | Deed of Trust, Mortgage · Line of Credit US BK |
| Jan 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2018 · Amount on Record |
| Deed Sale | Jan 22, 2018 · Amount on Record |
| Deed Document Number | 201801 22 059 00326 |
| Deed Book / Page | 6339 / 51 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000007744 |
| Book / Page | 415 / 948 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20267744 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000007744, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 415/948 |
| Instrument | 20267744 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000077 |
| Instrument Date | May 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 914 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123 |
| Document Number | 0000000077 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 000M55/000053 |
| Instrument | 77 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 10, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000011 |
| Instrument Date | May 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 914 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123 |
| Document Number | 0000000011 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 000M56/000580 |
| Instrument | 11 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 14, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 22, 2018 |
| Property Address | 914 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000326 |
| Book / Page | 0C6339 / 000051 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 326 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 914 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123 |
| Document Number | 328 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 0C6339/000054 |
| Instrument | 328 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2048 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,000 (-) Land $10,000 Building $190,000 | $200,000 (-) Land $10,000 Building $190,000 | |
| 2025 | $2,650.00 (-0.53%) | $200,000 (-) Land $10,000 Building $190,000 | $200,000 (-) Land $10,000 Building $190,000 |
| 2023 | $2,664.00 | $200,000 Land $10,000 Building $190,000 | $200,000 Land $10,000 Building $190,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 720 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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