Kenton County property record for 709 Willard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 848 sqft · built 1886 |
| Lot Size | 0.043 acres (1,875 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $27,500 (Sep 2004) |
| Tax Bill | $1,139 (2025) |
| Deeds & Mortgages | Apr 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-21-05-005.00 |
| Primary APN | 054-21-05-005.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 848 sqft Finished Area |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 1,875 sqft (0.043 acres) |
| Lot Dimensions | 75 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 709 WILLARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREERS ADDN BLK 37 LOT 10 25'X 75' |
| Legal Subdivision | GREERS ADDN |
| Legal Phase | 37 |
| Legal Block | 37 |
| Legal Lot Number | 10 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 60300 |
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.
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 | 714 MAIN ST, COVINGTON, KY 41011-1355 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2004 · Amount on Record |
| Deed Sale | Sep 14, 2004 · Amount on Record |
| Deed Document Number | 200409 14 059 00225 |
| Deed Book / Page | 2325 / 6 |
| Prior Transfer Date | Sep 2, 2004 |
| Prior Transfer Doc | 0914059002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 709 WILLARD ST, COVINGTON, KY 41011-1358 |
| Document Number | 0000000113 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 709 WILLARD ST COVINGTON KY 410111358, COVINGTON, KY 41011-1358 |
| Document Number | 0000000113 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 000019/000215 |
| Instrument | 113 |
| Name | HOME SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Apr 30, 2030 |
| Rate | 5.25% |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,800 (+50.93%) Land $10,000 Building $119,800 | $129,800 (+50.93%) Land $10,000 Building $119,800 | |
| 2025 | $1,139.00 (-0.52%) | $86,000 (-) Land $5,000 Building $81,000 | $86,000 (-) Land $5,000 Building $81,000 |
| 2023 | $1,145.00 | $86,000 Land $5,000 Building $81,000 | $86,000 Land $5,000 Building $81,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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