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3108 Willowhurst Trce, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3108 Willowhurst Trce, Covington, KY 41015 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2022
Lot Size14,562 sqft (0.334 acres)
GarageBasement
OccupancyOwner Occupied
Last Sale$419,736 (2021)
Tax Bill$4,881.00 (2025)

Property Details

APN / Parcel Number

Primary APN061-00-01-085.00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Stories2 Stories

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialBrick Exterior
Lot Area14,562 sqft (0.334 acres)
Parking Spaces2 Parking Spaces
Garage TypeBasement Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address3108 WILLOWHURST TRCE
CityCOVINGTON
StateKY
Zip41015-9007
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMANOR HILL SEC 11 LOT 85
Legal SubdivisionMANOR HILL
Legal Phase11
Legal Lot Number85
JurisdictionKENTON KY
Minor Civil DivisionINDEPENDENCE
Census Blockgroup2
Census Block2022
Census Tract65800

Owner

Source: Kenton County records · APN 061-00-01-085.00

Assessment roll updated December 2, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address3108 WILLOWHURST TRCE, COVINGTON, KY 41015-9007
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 01, 2024Deed of Trust, Mortgage · Line of Credit
L&N FCU
Dec 22, 2021Warranty Deed, Transfer · Conventional Mortgage
L&N FCU
Apr 28, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 22, 2021 · Amount on Record
Deed SaleDec 22, 2021 · Amount on Record
Prior SaleApr 28, 2021 · Amount on Record
Deed Doc Number20215900042
Deed Book / Page138 / 272
Record RefreshedSep 20, 2026

October 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3108 WILLOWHURST TRCE, COVINGTON, KY 41015-9007
Transaction TypeMortgage
Record UpdatedApr 03, 2026
Title CompanyGRACE TITLE GROUP INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900171
DateOct 01, 2024
Book PageKCM 587/609
Instrument24100105900171
Lender
NameL&N FCU
TypeCredit Union
AddressLOUISVILLE, KY 40229
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 30, 2044
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 22, 2021
Property Address3108 WILLOWHURST TRCE, COVINGTON, KY 41015-9007
Document Number0005900042
Book / Page138 / 272
Map ReferenceSL A-1126&A-1127
Instrument DateSep 15, 2021
Instrument21122205900042
Transaction TypeTransfer
Record UpdatedApr 03, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address211 GRANDVIEW DR, FT MITCHELL, KY 41017-2759

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight Of Survivorship
Address3108 WILLOWHURST TRACE, INDEPENDENCE, KY 41051

Mortgage

Document Number0005900043
DateDec 22, 2021
Instrument21122205900043
Lender
NameL&N FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateApr 28, 2021
Property Address3108 WILLOWHURST TRCE, COVINGTON, KY 41015-9007
Document Number0005900163
Book / Page87 / 74
Map ReferenceSL A-1126&A-1127
Instrument DateApr 02, 2021
Instrument21042805900163
Transaction TypeTransfer
Record UpdatedJan 10, 2023

Transaction

AmountAmount Recorded
Tax$48.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address467 ERLANGER RD STE 103, 103, ERLANGER, KY 41018-1495

Transferred To (Grantee/Buyer)

NameVerified Name
Address211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityIndependence City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,881.00 (-7.84%)$419,700 (-) Land $65,000 Building $354,700$419,700 (-) Land $65,000 Building $354,700
2023$5,296.00$419,700 Land $48,000 Building $371,700$419,700 Land $48,000 Building $371,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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