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

Kenton County property record for 451 Spencely Ct, Covington, KY 41015 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,272 sqft · built 2008
Lot Size	0.839 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Feb 2026)
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`060-00-07-010.00`

Property Details

APN / Parcel Number

Primary APN	`060-00-07-010.00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,272 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	36,590 sqft (0.839 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0600007010.00
Street Address	451 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 10
Legal Subdivision	SAYLOR WOODS SUBD
Legal Phase	1
Legal Lot Number	10
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	65800

Owner

Source: Kenton County records · APN 060-00-07-010.00

Assessment roll updated April 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3335 WAYMAN BRAND RD, WALTON, KY 41094
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Feb 10, 2026	Warranty Deed, Transfer · FHA Mortgage NFM LENDING
Apr 10, 2020	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Sep 06, 2017	Grant Deed, Transfer · Conventional with PMI POLARIS HM FNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Prior Sale	Sep 06, 2017 · Amount on Record
Deed Document Number	26059000002689
Deed Book / Page	389 / 452
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	451 SPENCELY CT, COVINGTON, KY 41015-2505
Transaction Type	Mortgage
Record Updated	Mar 06, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900036
Date	Sep 01, 2021
Book Page	265/645
Instrument	21090105900036

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	451 SPENCELY CT, COVINGTON, KY 41015-2505
Transaction Type	Mortgage
Record Updated	Mar 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900091
Date	Jan 24, 2023
Book Page	KCM 436/219
Instrument	23012405900091

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Aug 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 10, 2026
Property Address	451 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000002689
Book / Page	389 / 452
Map Reference	SL A-745
Instrument Date	Jan 30, 2026
Instrument	26059000002689
Transaction Type	Transfer
Record Updated	Mar 06, 2026
Title Company	SOURCEPOINT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3335 WAYMAN BRAND RD, WALTON, KY 41094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3335 WAYMAN BRAND RD, WALTON, KY 41094

Mortgage

Document Number	0000002690
Date	Feb 10, 2026
Instrument	26059000002690

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	451 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000055
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 07, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	451 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	0000000055
Date	Apr 28, 2020
Book Page	000037/000368
Instrument	55

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2050

Interest

Rate Type	Adjustable Rate

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 06, 2017
Property Address	451 SPENCELY CT, COVINGTON, KY 41015-2505
Document Number	0000000028
Book / Page	003994 / 000336
Instrument Date	Aug 31, 2017
Instrument	28
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
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	451 SPENCELY CT COVINGTON KY 410152505, COVINGTON, KY 41015-2505

Mortgage

Document Number	29
Date	Sep 06, 2017
Book Page	0I3994/000339
Instrument	29

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 05, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified March 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	$4,758.00 (+8.16%)	$409,200 (+17.38%) Land $55,000 Building $354,200	$409,200 (+17.38%) Land $55,000 Building $354,200
2023	$4,399.00	$348,600 Land $47,000 Building $301,600	$348,600 Land $47,000 Building $301,600

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 34 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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