Kenton County property record for 439 Spencely Ct, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,987 sqft · built 2013 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $4,394 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-07-007.00 |
| Primary APN | 060-00-07-007.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,987 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0600007007.00 |
|---|---|
| Street Address | 439 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 7 |
| Legal Subdivision | SAYLOR WOODS SUBD |
| Legal Phase | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 65800 |
Source: Kenton County records · APN 060-00-07-007.00
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 Owner Names on File |
|---|---|
| Mailing Address | 439 SPENCELY CT, COVINGTON, KY 41015-2505 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Jul 21, 2017 | Deed of Trust, Mortgage · Conventional with PMI VICTORY CMNTY BK |
| Jul 21, 2017 | Deed of Trust, Mortgage · Conventional with PMI VICTORY CMNTY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Dec 13, 2013 |
| Transfer Doc | 0000000054 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 439 SPENCELY CT, COVINGTON, KY 41015-2505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900051 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 274/168 |
| Instrument | 21092105900051 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Oct 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 439 SPENCELY CT, COVINGTON, KY 41015-2505 |
| Document Number | 0RI3970001 |
| Instrument Date | Jul 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 08, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 439 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505 |
| Document Number | 0RI3970001 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | ORI397/000001 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | 2500 CHAMBER CENTER DR, LAKESIDE PARK, KY 41017-1665 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 26, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 439 SPENCELY CT, COVINGTON, KY 41015-2505 |
| Document Number | 0000000536 |
| Instrument Date | Jul 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 439 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505 |
| Document Number | 0000000536 |
|---|---|
| Date | Jul 27, 2017 |
| Book Page | 0I3976/000001 |
| Instrument | 536 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 26, 2037 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| 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 | $4,394.00 (+11.49%) | $377,900 (+21.01%) Land $55,000 Building $322,900 | $377,900 (+21.01%) Land $55,000 Building $322,900 |
| 2023 | $3,941.00 | $312,300 Land $47,000 Building $265,300 | $312,300 Land $47,000 Building $265,300 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Spectrum.
Based on FCC filings for 34 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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