920 Main St, Covington, KY 41011 Property Records

Kenton County property record for 920 Main St, Covington, KY 41011

Property Summary

Property Type	Office Building
Details	1 ba · 2,365 sqft
Lot Size	0.056 acres (2,448 sqft)
Owner	2 Owner Names on Record
Last Sale	$45,000 (Dec 2009)
Tax Bill	$1,404 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-07-028.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-07-028.00`

Interior

Full Baths	1 Bath
Stories	3 Stories
Building Area	2,365 sqft Finished Area

Exterior

Roof Material	Composition Shingle
Lot Area	2,448 sqft (0.056 acres)
Lot Dimensions	102 ft deep x 24 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Old Parcel Number	0542207028.00
Street Address	920 MAIN ST
City	COVINGTON
State	KY
Zip	41011-2123
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	24X102 PT UNNUM LOT UN SUB ES MAIN NE COR MAIN & FRY
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 November 27, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	44 PARK RD, FT WRIGHT, KY 41011-2738

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2009 · Amount on Record
Deed Sale	Dec 2, 2009 · Amount on Record
Deed Document Number	0004178164
Deed Book / Page	4178 / 164
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	920 MAIN ST, COVINGTON, KY 41011-2123
Document Number	0000000171
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	920 MAIN ST COVINGTON KY 410112123, COVINGTON, KY 41011-2123

Mortgage

Document Number	0000000171
Date	Jul 18, 2018
Book Page	0C6455/000104
Instrument	171

Lender

Name	TRUPARTNER CU
Address	CINCINNATI, OH 45214

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 17, 2033

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	$1,404.00 (-0.5%)	$106,000 (-) Land $20,000 Building $86,000	$106,000 (-) Land $20,000 Building $86,000
2023	$1,411.00	$106,000 Land $20,000 Building $86,000	$106,000 Land $20,000 Building $86,000

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