Mindy Hearne
Ashcraft Real Estate Services
(859) 888-1408
22 Total Sales
1 in Downtown Covington
$480,000 Price
811 Main St Covington, KY 41011
Downtown Covington NeighborhoodEstimated Value: $555,000 - $604,000
3
Beds
3.5
Baths
2,550
Sq Ft
$226/Sq Ft
Est. Value
Highlights
- Spa
- Deck
- Wood Flooring
- Eat-In Gourmet Kitchen
- Traditional Architecture
- 3 Fireplaces
About This Home
As of November 2025Welcome to the perfect blend of modern convenience and timeless charm. This beautifully maintained historic home has been thoughtfully updated throughout. Step into the bright living room with hardwood floors and the first of several fireplaces with original details. The living room flows into the formal dining room with three large windows. The kitchen impresses with a coffered ceiling, quartz counters, stainless steel appliances, exposed brick + fireplace, and a butler's pantry. A half bath and laundry/mudroom complete the main level. Upstairs, the primary suite offers tall ceilings, hardwood floors, a double vanity, and a double-entry shower, alongside another bedroom and full bath. The third level adds flexibility with a bedroom, full bath, and a family room/home bar with sink and beverage fridge. Step onto the rooftop deck with gas fireplace, perfect for summer mornings and fall evenings. Enjoy fenced parking for one car and a five-person hot tub—your ideal spot for cozy winter nights. Step outside and you're seconds away from lots of local businesses and restaurants!
Last Agent to Sell the Property
Coldwell Banker Realty License #208503 Listed on: 08/28/2025
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Home Details
Home Type
- Single Family
Year Built
- Built in 1885
Home Design
- Traditional Architecture
- Brick Exterior Construction
- Stone Foundation
- Shingle Roof
Interior Spaces
- 2,550 Sq Ft Home
- 3-Story Property
- Wet Bar
- Built-In Features
- Woodwork
- Crown Molding
- Beamed Ceilings
- Coffered Ceiling
- High Ceiling
- Ceiling Fan
- Recessed Lighting
- Chandelier
- 3 Fireplaces
- Wood Burning Fireplace
- Gas Fireplace
- Insulated Windows
- Double Hung Windows
- Pocket Doors
- Panel Doors
- Mud Room
- Family Room
- Living Room
- Formal Dining Room
- Storage In Attic
- Unfinished Basement
Kitchen
- Eat-In Gourmet Kitchen
- Butlers Pantry
- Gas Oven
- Gas Cooktop
- Dishwasher
- Kitchen Island
- Utility Sink
Flooring
- Wood
- Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
- Walk-In Closet
- Double Vanity
- Shower
- Built-In Shower Bench
Laundry
- Laundry Room
- Laundry on main level
Parking
- 1 Parking Space
- No Garage
- Driveway
- Off-Street Parking
Outdoor Features
- Spa
- Deck
- Patio
Schools
- John G. Carlisle Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Forced Air Heating and Cooling System
- 220 Volts
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 040-44-15-011.00
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Aug 28, 2025
Closed on
Nov 14, 2025
Sold by
Bought by
Seller's Agent
Scott Oyler
Coldwell Banker Realty
Buyer's Agent
Eric Surkamp
Comey & Shepherd, Inc
List Price
$575,000
Sold Price
$560,000
Premium/Discount to List
-$15,000
-2.61%
Views
83
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$15,205
Avg. Annual Appreciation
3.79%
Original Mortgage
$476,000
Outstanding Balance
$472,843
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$102,362
Purchase Details
Closed on
Apr 13, 2020
Sold by
Bought by
Purchase Details
Closed on
Dec 21, 2016
Sold by
Bought by
Purchase Details
Closed on
Jun 17, 2002
Sold by
Bought by
Purchase Details
Closed on
Jul 9, 1996
Sold by
Bought by
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Downtown Covington, KY
-
Mindy Hearne
-
Shelli Stinson
Shelli Stinson
eXp Realty LLC
(859) 757-0169
131 Total Sales
2 in Downtown Covington
$200K - $275K Price Range
-
Doug Mayberry
Doug Mayberry
Huff Realty - Florence
(859) 600-6390
180 Total Sales
1 in Downtown Covington
$470,000 Price
-
Martha Works Larsen
Martha Works Larsen
Century 21 Premiere Properties
(859) 479-0970
197 Total Sales
1 in Downtown Covington
$255,000 Price
-
Tracy Winkler
Tracy Winkler
Comey & Shepherd
(513) 808-9789
158 Total Sales
2 in Downtown Covington
$400K - $540K Price Range
-
Stacy Meece
Stacy Meece
Berkshire Hathaway HomeService
(513) 586-7002
254 Total Sales
1 in Downtown Covington
$240,000 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $560,000 | 360 American Title | ||
| $430,000 | None Available | ||
| $185,000 | None Available | ||
| $122,900 | -- | ||
| $80,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $476,000 | ||
| Previous Owner | $125,200 | ||
| Previous Owner | $18,500 | ||
| Previous Owner | $125,718 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 11/14/2025 11/14/25 | Sold | $560,000 | -2.6% | $220 / Sq Ft |
| 09/08/2025 09/08/25 | Pending | -- | -- | -- |
| 08/28/2025 08/28/25 | For Sale | $575,000 | -- | $225 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $5,698 | $430,000 | $5,000 | $425,000 |
| 2024 | $5,655 | $430,000 | $5,000 | $425,000 |
| 2023 | $5,728 | $430,000 | $5,000 | $425,000 |
| 2022 | $6,031 | $460,100 | $5,000 | $455,100 |
| 2021 | $6,503 | $430,000 | $5,000 | $425,000 |
| 2020 | $3,198 | $210,000 | $5,000 | $205,000 |
| 2019 | $2,858 | $185,000 | $5,000 | $180,000 |
| 2018 | $2,918 | $185,000 | $5,000 | $180,000 |
| 2017 | $2,961 | $185,000 | $10,000 | $175,000 |
| 2015 | $2,429 | $123,000 | $10,000 | $113,000 |
| 2014 | $2,501 | $123,000 | $10,000 | $113,000 |
Source: Public Records
Agents Affiliated with this Home
-
Scott Oyler
Seller's Agent in 2025
Scott Oyler
Coldwell Banker Realty
(513) 547-2997
8 in this area
1,508 Total Sales
-
Brandi Srader Schildmeyer
Seller Co-Listing Agent in 2025
Brandi Srader Schildmeyer
Coldwell Banker Realty
(513) 321-9944
3 in this area
166 Total Sales
-
Eric Surkamp
Buyer's Agent in 2025
Eric Surkamp
Comey & Shepherd, Inc
(513) 460-3057
2 in this area
147 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 635789
APN: 040-44-15-011.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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