703 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 703 Willard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,816 sqft · built 1914
Lot Size	0.045 acres (1,968 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,186 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-21-05-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-05-003.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,816 sqft Finished Area

Exterior

Year Built	Built 1914
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	1,968 sqft
Lot Dimensions	61 ft deep x 31 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542105003.00
Street Address	703 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 LOTS 7-8 31.90'X 61.70' IRREG
Legal Subdivision	GREERS ADDN
Legal Phase	37
Legal Block	37
Legal Lot Number	7,8
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 November 27, 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 Record
Mailing Address	703 WILLARD ST, COVINGTON, KY 41011-1358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MTG
Apr 25, 2019	Deed of Trust, Mortgage · Conventional with PMI ROUNDPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2013
Deed Sale	Dec 10, 2013
Prior Sale	Mar 22, 2004 · Amount on Record
Deed Document Number	0005321310
Deed Book / Page	C-5321 / 310
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	703 WILLARD ST, COVINGTON, KY 41011-1358
Document Number	0000000336
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	703 WILLARD ST COVINGTON KY 410111358, COVINGTON, KY 41011-1358

Mortgage

Document Number	0000000336
Date	Dec 1, 2020
Book Page	00M133/000674
Instrument	336

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	703 WILLARD ST, COVINGTON, KY 41011-1358
Document Number	0000000287
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	AMERICAN HOME TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	703 WILLARD ST COVINGTON KY 410111358, COVINGTON, KY 41011-1358

Mortgage

Document Number	0000000287
Date	Apr 29, 2019
Book Page	0C6649/000044
Instrument	287

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,186.00 (-0.5%)	$165,000 (-) Land $5,000 Building $160,000	$165,000 (-) Land $5,000 Building $160,000
2023	$2,197.00	$165,000 Land $5,000 Building $160,000	$165,000 Land $5,000 Building $160,000

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.

Nearby Properties on Willard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures