701 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 701 Willard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,816 sqft · built 1914
Lot Size	0.04 acres (1,728 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2021)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-05-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-05-002.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,816 sqft Finished Area

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	1,728 sqft (0.04 acres)
Lot Dimensions	61.7 ft deep x 28 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	701 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1358
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREERS ADDN BLK 37 PT LOT 7 28'X 61.71'
Legal Subdivision	GREERS ADDN
Legal Phase	37
Legal Block	37
Legal Lot Number	7
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	60300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	516 MARYWOOD CT, EDGEWOOD, KY 41017-3384
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS
Apr 15, 2019	Warranty Deed, Transfer · Conventional with PMI UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	20215900120
Deed Book / Page	123 / 403
Prior Transfer Date	Jun 21, 2013
Prior Transfer Doc	0000000162
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 13, 2021
Property Address	701 WILLARD ST, COVINGTON, KY 41011-1358
Document Number	0005900120
Book / Page	123 / 403
Instrument Date	Oct 4, 2021
Instrument	21101305900120
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1230 UPLAND AVE, 1230, COVINGTON, KY 41011-3756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	516 MARYWOOD CT, EDGEWOOD, KY 41017-3384
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900121
Date	Oct 13, 2021
Book Page	284/213
Instrument	21101305900121

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	701 WILLARD ST, COVINGTON, KY 41011-1358
Document Number	0000000033
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	701 WILLARD ST COVINGTON KY 410111358, COVINGTON, KY 41011-1358

Mortgage

Document Number	0000000033
Date	Jan 15, 2020
Book Page	0000M4/000061
Instrument	33

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2019
Property Address	701 WILLARD ST, COVINGTON, KY 41011-1358
Document Number	0000000125
Book / Page	0C6639 / 000108
Instrument Date	Apr 5, 2019
Instrument	125
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
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	701 WILLARD ST COVINGTON KY 410111358, COVINGTON, KY 41011-1358

Mortgage

Document Number	126
Date	Apr 15, 2019
Book Page	0C6639/000111
Instrument	126

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,000 (-) Land $10,000 Building $240,000	$250,000 (-) Land $10,000 Building $240,000
2025	$3,312.00 (-0.54%)	$250,000 (-) Land $5,000 Building $245,000	$250,000 (-) Land $5,000 Building $245,000
2023	$3,330.00	$250,000 Land $5,000 Building $245,000	$250,000 Land $5,000 Building $245,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 607 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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