Kenton County property record for 452 Spencely Ct, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2008 |
| Square Footage | 3,312 sqft Finished Area |
| Lot Size | 32,234 sqft (0.739 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $255,000 (2014) |
| Tax Bill | $4,876.00 (2025) |
| Primary APN | 060-00-07-012.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,312 sqft Finished Area |
| Stories | 2 Stories |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Lot Area | 32,234 sqft (0.739 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0600007012.00 |
|---|---|
| Street Address | 452 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 12 |
| Legal Subdivision | SAYLOR WOODS SUBD |
| Legal Phase | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 65800 |
Source: Kenton County records · APN 060-00-07-012.00
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 Owner Names on File |
|---|---|
| Mailing Address | 452 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 11, 2014 · Amount on Record |
| Deed Sale | Dec 11, 2014 · Amount on Record |
| Prior Sale | Dec 11, 2014 · Amount on Record |
| Deed Doc Number | 0003525270 |
| Deed Book / Page | 3525 / 270 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 452 SPENCELY CT, COVINGTON, KY 41015-2504 |
| Document Number | 0000000243 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 452 SPENCELY CT COVINGTON KY 410152504, COVINGTON, KY 41015-2504 |
| Document Number | 0000000243 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 000M98/000769 |
| Instrument | 243 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2050 |
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 | $4,876.00 (+31.75%) | $419,300 (+42.96%) Land $55,000 Building $364,300 | $419,300 (+42.96%) Land $55,000 Building $364,300 |
| 2023 | $3,701.00 | $293,300 Land $47,000 Building $246,300 | $293,300 Land $47,000 Building $246,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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