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

Kenton County property record for 447 Spencely Ct, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,052 sqft · built 2008
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (May 2017)
Tax Bill	$3,868 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-009.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-009.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,052 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	159 ft deep x 92 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	447 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 9
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	9
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records · APN 060-00-07-009.00

Assessment roll updated December 2, 2025 · Last verified April 2026

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	447 SPENCELY CT, COVINGTON, KY 41015-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Prior Sale	Nov 21, 2008 · Amount on Record
Deed Document Number	201705 17 059 00195
Deed Book / Page	3940 / 9
Prior Transfer Date	Dec 21, 2015
Prior Transfer Doc	0000000242
Record Updated	Jun 08, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 17, 2017
Property Address	447 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000195
Book / Page	0I3940 / 000099
Instrument Date	May 12, 2017
Instrument	195
Transaction Type	Transfer
Record Updated	Jun 06, 2017
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	946 GOSS AVE #1232 LOUISVILLE KY 402172278, 1232, LOUISVILLE, KY 40217-2278

Mortgage

Document Number	196
Date	May 17, 2017
Book Page	0I3940/000102
Instrument	196

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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	$3,868.00 (+15.53%)	$332,600 (+25.37%) Land $55,000 Building $277,600	$332,600 (+25.37%) Land $55,000 Building $277,600
2023	$3,348.00	$265,300 Land $47,000 Building $218,300	$265,300 Land $47,000 Building $218,300

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.