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

Kenton County property record for 444 Spencely Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,990 sqft · built 2013
Lot Size	0.419 acres (18,295 sqft)
Owner	2 Owner Names on Record
Last Sale	$345,000 (Apr 2014)
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-014.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-014.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,990 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Combination
Foundation Type	Concrete
Lot Area	18,295 sqft (0.419 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0600007014.00
Street Address	444 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 14
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	14
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	444 SPENCELY CT, COVINGTON, KY 41015-2504
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2014 · Amount on Record
Deed Sale	Apr 28, 2014 · Amount on Record
Prior Sale	Jul 17, 2013 · Amount on Record
Deed Document Number	0003428350
Deed Book / Page	3428 / 350
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	444 SPENCELY CT, COVINGTON, KY 41015-2504
Document Number	0000000377
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504

Mortgage

Document Number	0000000377
Date	Mar 18, 2020
Book Page	000M21/000478
Instrument	377

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 17, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	444 SPENCELY CT, COVINGTON, KY 41015-2504
Document Number	0000000057
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504

Mortgage

Document Number	0000000057
Date	Feb 28, 2020
Book Page	000M15/000398
Instrument	57

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

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

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	$4,367.00 (+0.32%)	$375,500 (+8.84%) Land $55,000 Building $320,500	$375,500 (+8.84%) Land $55,000 Building $320,500
2023	$4,353.00	$345,000 Land $47,000 Building $298,000	$345,000 Land $47,000 Building $298,000

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
altafiber Network Solutions Fiber	3,000 / 3,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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