435 Spencely Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 435 Spencely Ct, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,033 sqft · built 2013
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Jun 2019)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-006.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-006.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,033 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	435 SPENCELY CT
City	COVINGTON
State	KY
Zip	41015-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAYLOR WOODS SUBD SEC 1 LOT 6
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records · APN 060-00-07-006.00

Assessment roll updated December 2, 2025 · Last verified April 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 File
Mailing Address	435 SPENCELY CT, COVINGTON, KY 41015-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jun 03, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 03, 2019 · Amount on Record
Deed Sale	Jun 03, 2019 · Amount on Record
Prior Sale	Sep 04, 2015 · Amount on Record
Deed Document Number	201906 03 059 00154
Deed Book / Page	4271 / 334
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	0005900117
Record Updated	Jun 08, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	435 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000161
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 09, 2020
Title Company	HIGH STREET TITLE COMPANY, HIGH STREET TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	435 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	0000000161
Date	Oct 28, 2020
Book Page	00M116/000985
Instrument	161

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 27, 2035

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 03, 2019
Property Address	435 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000154
Book / Page	0I4271 / 000334
Instrument Date	May 30, 2019
Instrument	154
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$359.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	435 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	155
Date	Jun 03, 2019
Book Page	0I4271/000337
Instrument	155

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 02, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,690.00 (+3.53%)	$403,300 (+12.34%) Land $55,000 Building $348,300	$403,300 (+12.34%) Land $55,000 Building $348,300
2023	$4,530.00	$359,000 Land $47,000 Building $312,000	$359,000 Land $47,000 Building $312,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 34 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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