Kenton County property record for 3120 Willowhurst Trce, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · built 2021 |
| Owner | Individual Name on File |
| Last Sale | $377,797 (Feb 2021) |
| Tax Bill | $4,392 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Feb 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-01-088.00 |
| Primary APN | 061-00-01-088.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3120 WILLOWHURST TRCE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 11 LOT 88 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 11 |
| Legal Lot Number | 88 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 65800 |
Source: Kenton County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3120 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC |
| Feb 3, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 23, 2021 · Amount on Record |
| Deed Sale | Feb 23, 2021 · Amount on Record |
| Deed Document Number | 0000073590 |
| Deed Book / Page | 73 / 590 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 23, 2021 |
| Property Address | 3120 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Document Number | 0005900236 |
| Book / Page | 73 / 590 |
| Map Reference | SL A-1126&A-1127 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 21022305900236 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3120 WILLOWHURST TRACE, INDEPENDENCE, KY 41051 |
| Document Number | 0005900238 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 171/831 |
| Instrument | 21022305900238 |
| Name | FIRST EQUITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 3, 2020 |
| Property Address | 3120 WILLOWHURST TRCE, COVINGTON, KY 41015-9007 |
| Document Number | 0000000103 |
| Book / Page | 000005 / 000485 |
| Instrument Date | Jan 21, 2020 |
| Instrument | 103 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $48.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 211 GRANDVIEW DR FORT MITCHELL KY 410172759, FORT MITCHELL, KY 41017-2759 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $4,392.00 (-7.85%) | $377,700 (-) Land $65,000 Building $312,700 | $377,700 (-) Land $65,000 Building $312,700 |
| 2023 | $4,766.00 | $377,700 Land $48,000 Building $329,700 | $377,700 Land $48,000 Building $329,700 |
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 78 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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