Kenton County property record for 440 Spencely Ct, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2008 |
| Square Footage | 2,004 sqft Finished Area |
| Lot Size | 20,038 sqft (0.46 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $244,000 (2017) |
| Tax Bill | $3,675.00 (2025) |
| Primary APN | 060-00-07-015.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,004 sqft Finished Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Lot Area | 20,038 sqft (0.46 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0600007015.00 |
|---|---|
| Street Address | 440 SPENCELY CT |
| City | COVINGTON |
| State | KY |
| Zip | 41015-2504 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SAYLOR WOODS SUBD SEC 1 LOT 15 |
| Legal Subdivision | SAYLOR WOODS SUBD |
| Legal Phase | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 65800 |
Source: Kenton County records · APN 060-00-07-015.00
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 | 440 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN MTG SVC |
| Oct 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 23, 2017 · Amount on Record |
| Deed Sale | Oct 23, 2017 · Amount on Record |
| Prior Sale | May 01, 2014 · Amount on Record |
| Deed Doc Number | 0004017305 |
| Deed Book / Page | 4017 / 305 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 440 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Document Number | 0000000128 |
| Instrument Date | Dec 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 02, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 440 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504 |
| Document Number | 0000000128 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 00M152/000632 |
| Instrument | 128 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 23, 2017 |
| Property Address | 440 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Document Number | 0000000208 |
| Book / Page | 0I4017 / 000305 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 208 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $244.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 440 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504 |
| Document Number | 210 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 0I4017/000322 |
| Instrument | 210 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601-6191 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 22, 2027 |
| Document Number | 209, |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 004017/000308 |
| Instrument | 209 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
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 | $3,675.00 (+8.66%) | $316,000 (+17.91%) Land $55,000 Building $261,000 | $316,000 (+17.91%) Land $55,000 Building $261,000 |
| 2023 | $3,382.00 | $268,000 Land $47,000 Building $221,000 | $268,000 Land $47,000 Building $221,000 |
440 Spencely Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with direct 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 | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures