714 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 714 Willard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,370 sqft · built 1928
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Jul 2018)
Tax Bill	$3,431 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-06-031.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-06-031.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,370 sqft Finished Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	714 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 36 PT LOT 17 25' ES WILLARD 135' N 8TH
Legal Subdivision	GREERS ADDN
Legal Phase	36
Legal Block	36
Legal Lot Number	17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1012
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	714 WILLARD ST, COVINGTON, KY 41011-1359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Jun 14, 2019	Deed of Trust, Mortgage GUARDIAN SVGS BK
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Oct 2, 2008 · Amount on Record
Deed Document Number	201807 03 059 00227
Deed Book / Page	6445 / 236
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	714 WILLARD ST, COVINGTON, KY 41011-1359
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900214
Date	Jan 11, 2022
Book Page	325/459
Instrument	22011105900214

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	714 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0000000155
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 WILLARD ST COVINGTON KY 410111359, COVINGTON, KY 41011-1359

Mortgage

Document Number	0000000155
Date	Jun 25, 2019
Book Page	0C6689/000212
Instrument	155

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 3, 2018
Property Address	714 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0000000227
Book / Page	0C6445 / 000236
Instrument Date	Jun 29, 2018
Instrument	227
Transaction Type	Transfer
Record Updated	Jul 19, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 WILLARD ST COVINGTON KY 410111359, COVINGTON, KY 41011-1359

Mortgage

Document Number	228
Date	Jul 3, 2018
Book Page	0C6445/000240
Instrument	228

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

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		$259,000 (-) Land $10,000 Building $249,000	$259,000 (-) Land $10,000 Building $249,000
2025	$3,431.00 (-0.52%)	$259,000 (-) Land $5,000 Building $254,000	$259,000 (-) Land $5,000 Building $254,000
2023	$3,449.00	$259,000 Land $5,000 Building $254,000	$259,000 Land $5,000 Building $254,000

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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