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

Kenton County property record for 436 Spencely Ct, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2016
Lot Size	0.419 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$359,095 (Nov 2016)
Tax Bill	$4,640 (2025)
Deeds & Mortgages	Apr 2024 Reverse Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-016.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-016.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories

Exterior

Year Built	Built 2016
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	18,295 sqft (0.419 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0600007016.00
Street Address	436 SPENCELY CT
City	COVINGTON
State	KY
Zip	41015-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAYLOR WOODS SUBD SEC 1 LOT 16
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	16
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records · APN 060-00-07-016.00

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	436 SPENCELY CT, COVINGTON, KY 41015-2504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Reverse Mortgage FIRST FINANCIAL BANK
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2016 · Amount on Record
Deed Sale	Nov 15, 2016 · Amount on Record
Prior Sale	Jan 26, 2016 · Amount on Record
Deed Document Number	0003854312
Deed Book / Page	3854 / 312
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	436 SPENCELY CT, COVINGTON, KY 41015-2504
Transaction Type	Mortgage
Record Updated	May 22, 2024
Title Company	BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900045
Date	Apr 30, 2024
Book Page	KCM544/584
Instrument	24043005900045

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	225 PICTORIA DR STE 700, CINCINNATI, OH 45246

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	436 SPENCELY CT, COVINGTON, KY 41015-2504
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900041
Date	Apr 16, 2021
Book Page	202/633
Instrument	21041605900041

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

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	$4,640.00 (-7.85%)	$399,000 (-) Land $55,000 Building $344,000	$399,000 (-) Land $55,000 Building $344,000
2023	$5,035.00	$399,000 Land $47,000 Building $352,000	$399,000 Land $47,000 Building $352,000

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 70 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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