918 Main St, Covington, KY 41011 Property Records

Kenton County property record for 918 Main St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	3 bd · 2 ba · 2,424 sqft · built 1909
Lot Size	0.099 acres (4,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Apr 2004)
Tax Bill	$1,921 (2025)
Deeds & Mortgages	Sep 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`054-22-07-029.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-07-029.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,424 sqft Finished Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Triplex
Exterior Material	Brick
Lot Area	4,316 sqft (0.099 acres)
Lot Dimensions	166 ft deep x 26 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	918 MAIN ST
City	COVINGTON
State	KY
Zip	41011-2177
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	26X166 UNNUM LOT UN SUB ES MAIN 210 FT S 9TH
Legal Subdivision	UN SUB
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	44 PARK RD, COVINGTON, KY 41011-2738
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2004 · Amount on Record
Deed Sale	Apr 20, 2004 · Amount on Record
Prior Sale	Apr 20, 2004 · Amount on Record
Deed Document Number	200404 20 059 00198
Deed Book / Page	2137 / 192
Prior Transfer Date	Nov 4, 2003
Prior Transfer Doc	0112059002
Record Updated	Sep 20, 2026

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	918 MAIN ST, COVINGTON, KY 41011-2177
Document Number	0000000112
Book / Page	0C6274 / 000043
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 MAIN ST COVINGTON KY 410112177, COVINGTON, KY 41011-2177

Mortgage

Document Number	0000000112
Date	Oct 17, 2017
Book Page	0C6274/000043
Instrument	112

Lender

Name	BANK OF KY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 16, 2042

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
2025	$1,921.00 (-0.52%)	$145,000 (-) Land $10,000 Building $135,000	$145,000 (-) Land $10,000 Building $135,000
2023	$1,931.00	$145,000 Land $10,000 Building $135,000	$145,000 Land $10,000 Building $135,000

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	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 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