Kenton County property record for 3109 Willowhurst Trce, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2019 |
| Lot Size | 0.389 acres (16,962 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $52,000 (Nov 2016) |
| Tax Bill | $4,583 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-01-081.00 |
| Primary APN | 061-00-01-081.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 16,962 sqft (0.389 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3109 WILLOWHURST TRCE |
|---|---|
| City | LATONIA |
| State | KY |
| Zip | 41015-9010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 11 LOT 81 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 11 |
| Legal Lot Number | 81 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 65800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3109 WILLOWHURST TRCE, LATONIA, KY 41015-9010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Dec 21, 2018 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Jun 27, 2017 | Loan Modification, Mortgage HERITAGE BK/LAFAYETTE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2016 · Amount on Record |
| Deed Sale | Nov 9, 2016 · Amount on Record |
| Deed Document Number | 201611 09 059 00255 |
| Deed Book / Page | 3852 / 249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3109 WILLOWHURST TRCE, COVINGTON, KY 41015-9010 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900146 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 231/806 |
| Instrument | 21061605900146 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3109 WILLOWHURST TRCE, COVINGTON, KY 41015-9010 |
| Document Number | 0000000159 |
| Instrument Date | Dec 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 3109 WILOWHURST TRCE INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000159 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 0I4214/000136 |
| Instrument | 159 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 9, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3109 WILLOWHURST TRCE, COVINGTON, KY 41015-9010 |
| Document Number | 0000000010 |
| Book / Page | I3994 / 000305 |
| Instrument Date | Jun 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 467 ERLANGER RD #200 ERLANGER KY 410181495, 200, ERLANGER, KY 41018-1495 |
| Document Number | 0000000010 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 003994/000305 |
| Instrument | 10 |
| Name | HERITAGE BK/LAFAYETTE |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Term | 36 Months |
|---|---|
| Due | Sep 5, 2020 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $394,100 (-) Land $65,000 Building $329,100 | $394,100 (-) Land $65,000 Building $329,100 | |
| 2025 | $4,583.00 (-0.43%) | $394,100 (+8.03%) Land $65,000 Building $329,100 | $394,100 (+8.03%) Land $65,000 Building $329,100 |
| 2023 | $4,603.00 | $364,800 Land $52,000 Building $312,800 | $364,800 Land $52,000 Building $312,800 |
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 | 2 in force |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 67 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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