Kenton County property record for 448 Spencely Ct, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Lot Size | 13,504 sqft (0.31 acres) |
| Garage | Basement |
| Occupancy | Owner Occupied |
| Last Sale | $323,984 (2019) |
| Tax Bill | $4,326.00 (2025) |
| Primary APN | 060-00-07-013.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Stories | 2 Stories |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Lot Area | 13,504 sqft (0.31 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Old Parcel Number | 0600007013.00 |
|---|---|
| Street Address | 448 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 13 |
| Legal Subdivision | SAYLOR WOODS SUBD |
| Legal Phase | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 65800 |
Source: Kenton County records · APN 060-00-07-013.00
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 | 448 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jan 31, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MTG INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 31, 2019 · Amount on Record |
| Deed Sale | Jan 31, 2019 · Amount on Record |
| Prior Sale | Jan 26, 2016 · Amount on Record |
| Deed Doc Number | 0000422176 |
| Deed Book / Page | 4221 / 76 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 448 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900021 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 214/408 |
| Instrument | 21051205900021 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 31, 2019 |
| Property Address | 448 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Document Number | 0000000068 |
| Book / Page | 0I4221 / 000076 |
| Instrument Date | Dec 07, 2018 |
| Instrument | 68 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 11, 2019 |
| Title Company | TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $323.98 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 448 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504 |
| Document Number | 70 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 0I4221/000079 |
| Instrument | 70 |
| Name | FIRST EQUITY MTG INC |
|---|---|
| Address | MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2049 |
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 | $4,326.00 (+5.85%) | $372,000 (+14.85%) Land $55,000 Building $317,000 | $372,000 (+14.85%) Land $55,000 Building $317,000 |
| 2023 | $4,087.00 | $323,900 Land $47,000 Building $276,900 | $323,900 Land $47,000 Building $276,900 |
448 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.
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