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

Kenton County property record for 443 Spencely Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2019
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$318,890 (Jun 2019)
Tax Bill	$4,357 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-008.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-008.00`

Interior

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

Exterior

Year Built	Built 2019
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0600007008.00
Street Address	443 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 8
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	8
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

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	2 Individual Names on File
Mailing Address	443 SPENCELY CT, COVINGTON, KY 41015-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 22, 2021	Deed of Trust, Mortgage UNION SAVINGS BANK
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Jun 28, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI FIRST EQUITY MTG INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Jan 26, 2016 · Amount on Record
Deed Document Number	0000428562
Deed Book / Page	4285 / 62
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	443 SPENCELY CT, COVINGTON, KY 41015-2505
Transaction Type	Mortgage
Record Updated	Sep 27, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 SPENCELY CT, COVINGTON, KY 41015-2505

Mortgage

Document Number	0005900044
Date	Sep 14, 2022
Book Page	406/639
Instrument	22091405900044

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	443 SPENCELY CT, COVINGTON, KY 41015-2505
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900352
Date	Sep 22, 2021
Book Page	275/548
Instrument	21092205900352

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	443 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000134
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	443 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	0000000134
Date	May 21, 2020
Book Page	000M46/000891
Instrument	134

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 28, 2019
Property Address	443 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000009
Book / Page	0I4285 / 000062
Instrument Date	May 10, 2019
Instrument	9
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 19, 2019
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$318.89
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	443 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	10
Date	Jun 28, 2019
Book Page	0I4285/000065
Instrument	10

Lender

Name	FIRST EQUITY MTG INC
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,357.00 (+8.3%)	$374,700 (+17.53%) Land $55,000 Building $319,700	$374,700 (+17.53%) Land $55,000 Building $319,700
2023	$4,023.00	$318,800 Land $47,000 Building $271,800	$318,800 Land $47,000 Building $271,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

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.

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