Kenton County property record for 916 Main St, Covington, KY 41011
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 3 ba · 2,122 sqft · built 1886 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Company Name on Record |
| Last Sale | $349,999 (Jan 2021) |
| Tax Bill | $4,636 (2025) |
| Deeds & Mortgages | Jan 2023 Sale Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-07-030.00 |
| Primary APN | 054-22-07-030.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,122 sqft Finished Area |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 165 ft deep x 25 ft wide |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 916 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 21 |
| Legal Subdivision | POWELL O R ESTATE |
| Legal Phase | 4 |
| Legal Lot Number | 21 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 3540 PARK DR, COVINGTON, KY 41015-1522 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed, Transfer |
| Jan 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LNDG |
| Jan 13, 2020 | Warranty Deed, Transfer AMERIFIRST FIN'L CORP |
| Sep 22, 2017 | Deed of Trust, Mortgage · Line of Credit CINFED FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2021 · Amount on Record |
| Deed Sale | Jan 14, 2021 · Amount on Record |
| Prior Sale | Jan 13, 2020 · Amount on Record |
| Deed Document Number | 20215900083 |
| Deed Book / Page | 66 / 577 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 17, 2023 |
| Property Address | 916 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0005900132 |
| Book / Page | KC 209 / 777 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 23011705900132 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3540 PARK DR, COVINGTON, KY 41015-1522 |
| Name | Verified Name |
|---|---|
| Address | 3540 PARK DR, COVINGTON, KY 41015-1522 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 14, 2021 |
| Property Address | 916 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000083 |
| Book / Page | 000066 / 000577 |
| Instrument Date | Jan 11, 2021 |
| Instrument | 83 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2021 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123 |
| Document Number | 84 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 00M154/000324 |
| Instrument | 84 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 13, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 13, 2020 |
| Property Address | 916 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000113 |
| Book / Page | 000002 / 000225 |
| Instrument Date | Jan 2, 2020 |
| Instrument | 113 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2020 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $152.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123 |
| Document Number | 114 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | 0000M3/000111 |
| Instrument | 114 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | PORTAGE, MI 49002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 12, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 916 MAIN ST, COVINGTON, KY 41011-2123 |
| Document Number | 0000000268 |
| Book / Page | 0C6264 / 000057 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 12748 COVINGTON KY 410120748, COVINGTON, KY 41012-0748 |
| Document Number | 0000000268 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 0C6264/000057 |
| Instrument | 268 |
| Name | CINFED FCU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 2, 2027 |
| Rate Type | Adjustable Rate |
|---|
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 | $349,900 (-) Land $10,000 Building $339,900 | $349,900 (-) Land $10,000 Building $339,900 | |
| 2025 | $4,636.00 (-0.52%) | $349,900 (-) Land $10,000 Building $339,900 | $349,900 (-) Land $10,000 Building $339,900 |
| 2023 | $4,660.00 | $349,900 Land $10,000 Building $339,900 | $349,900 Land $10,000 Building $339,900 |
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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