5777 Percy Ln, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 5777 Percy Ln, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · built 2023
Lot Size	0.72 acres (31,363 sqft)
Owner	Trust Name on Record
Last Sale	$474,000 (Oct 2023)
Tax Bill	$4,697 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`058-40-01-004.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-01-004.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stone
Foundation Type	Concrete
Lot Area	31,363 sqft (0.72 acres)
Lot Dimensions	416 ft deep x 80 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	5777 PERCY LN
City	COVINGTON
State	KY
Zip	41015-2431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARNER SEC 1 LOT 4
Legal Subdivision	GARNER SUB
Legal Phase	1
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records, as of October 20, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	5777 PERCY LN, COVINGTON, KY 41015-2431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit REAL ESTATE RETURN LLC
Oct 19, 2023	Warranty Deed, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY
May 20, 2022	Deed, Transfer · Stand-Alone First Mortgage ANN WARBOY IRA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2023 · Amount on Record
Deed Sale	Oct 19, 2023 · Amount on Record
Prior Sale	Mar 16, 2006 · Amount on Record
Deed Document Number	2023191
Deed Book / Page	253 / 12
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5777 PERCY LN, COVINGTON, KY 41015-2431
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10198 HAMLET CT, UNION, KY 41091-7181

Mortgage

Document Number	0005900230
Date	Aug 19, 2022
Book Page	400/19
Instrument	22081905900230

Lender

Name	REAL ESTATE RETURN LLC
Type	Non-Lending Institution
Address	SEATTLE, WA 98125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 5, 2023

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 19, 2023
Property Address	5777 PERCY LN, COVINGTON, KY 41015-2431
Document Number	0005900191
Book / Page	KC 253 / 12
Map Reference	SL A593
Instrument Date	Oct 18, 2023
Instrument	23101905900191
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 STRATTON DR, FLORENCE, KY 41042-2898

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5777 PERCY LN, COVINGTON, KY 41015-2431

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	May 20, 2022
Property Address	5777 PERCY LN, COVINGTON, KY 41015-2431
Document Number	0005900046
Book / Page	166 / 312
Map Reference	SL A593
Instrument Date	May 17, 2022
Instrument	22052005900046
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Tax	$44.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22658 E WEAVER DR, AURORA, CO 80016-7000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10198 HAMLET CT, UNION, KY 41091-7181

Mortgage

Document Number	0005900047
Date	May 20, 2022
Instrument	22052005900047

Lender

Name	ANN WARBOY IRA
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2023

Mortgage

Document Number	0005900048
Date	May 20, 2022
Book Page	372/64
Instrument	22052005900048

Lender

Name	JILL LEMKE 401K PLAN
Type	Non-Lending Institution
Address	GLEN COVE, NY 11542

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2023

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,000 (-) Land $45,000 Building $429,000	$474,000 (-) Land $45,000 Building $429,000
2025	$4,697.00 (+901.49%)	$474,000 (+977.27%) Land $44,000 Building $430,000	$474,000 (+977.27%) Land $44,000 Building $430,000
2023	$469.00 (+40.84%)	$44,000 (+44.26%) Land $44,000	$44,000 (+44.26%) Land $44,000
2022	$333.00	$30,500 Land $30,500	$30,500 Land $30,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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