Kenton County property record for 3112 Willowhurst Trce, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2017 |
| Garage | Basement |
| Occupancy | Owner Occupied |
| Last Sale | $48,500 (2017) |
| Tax Bill | $5,320.00 (2025) |
| Primary APN | 061-00-01-086.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Stories | 2 Stories |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 3112 WILLOWHURST TRCE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9007 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 11 LOT 86 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 11 |
| Legal Lot Number | 86 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 65800 |
Source: Kenton County records · APN 061-00-01-086.00
Assessment roll updated April 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 3112 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 03, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 19, 2017 | Deed of Trust, Mortgage CENTER BK |
| Jun 27, 2017 | Loan Modification, Mortgage HERITAGE BK/LAFAYETTE |
| Apr 21, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTERBANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2017 · Amount on Record |
| Deed Sale | Apr 21, 2017 · Amount on Record |
| Deed Doc Number | 0000392873 |
| Deed Book / Page | 3928 / 73 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3112 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3112 WILLOWHURST TRCE, LATONIA, KY 41015-9007 |
| Document Number | 0005900189 |
|---|---|
| Date | Jun 03, 2022 |
| Book Page | 376/572 |
| Instrument | 22060305900189 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3112 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Document Number | 0000000228 |
| Book / Page | 0I4048 / 000167 |
| Instrument Date | Dec 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2018 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 919 BORDERLANDS DR ERLANGER KY 410183868, ERLANGER, KY 41018-3868 |
| Document Number | 0000000228 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 0I4048/000167 |
| Instrument | 228 |
| Name | CENTER BK |
|---|---|
| Type | Bank |
| Address | MILFORD, OH 45150 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3112 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| 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 06, 2017 |
| Book Page | 003994/000305 |
| Instrument | 10 |
| Name | HERITAGE BK/LAFAYETTE |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Term | 36 Months |
|---|---|
| Due | Sep 05, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 21, 2017 |
| Property Address | 3112 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Document Number | 0000000134 |
| Book / Page | 0I3928 / 000073 |
| Instrument Date | Apr 07, 2017 |
| Instrument | 134 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 18, 2017 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3112 WILLOWHURST TRCE INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 136 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 0I3928/000076 |
| Instrument | 136 |
| Name | CENTERBANK |
|---|---|
| Type | Bank |
| Address | MILFORD, OH 45150 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 20, 2022 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,320.00 (-7.85%) | $457,500 (-) Land $65,000 Building $392,500 | $457,500 (-) Land $65,000 Building $392,500 |
| 2023 | $5,773.00 | $457,500 Land $48,500 Building $409,000 | $457,500 Land $48,500 Building $409,000 |
3112 Willowhurst Trce is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 37th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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