716 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 716 Willard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 898 sqft · built 1886
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jun 2026)
Tax Bill	$3,577 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-06-030.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-06-030.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	898 sqft Finished Area
Gross Area	1,188 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Metal
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	716 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 36 S 1/2 W 100' LOT 17 25'X 100' ES WILLARD
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Sep 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC
Sep 14, 2020	Warranty Deed, Construction Loan · Construction Mortgage MM LNDG LLC
Jul 20, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Mar 11, 2021 · Amount on Record
Deed Document Number	202612526
Deed Book / Page	446 / 496
Prior Transfer Date	Jan 31, 2003
Prior Transfer Doc	1112059001
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 15, 2026
Property Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0000012526
Book / Page	446 / 496
Instrument Date	Jun 2, 2026
Instrument	202612526
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$29,290.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 WILLARD ST, COVINGTON, KY 41011-1359

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 11, 2021
Property Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0005900156
Book / Page	76 / 939
Instrument Date	Feb 25, 2021
Instrument	21031105900156
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 17095, COVINGTON, KY 41017-0095

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	716 WILLARD ST, COVINGTON, KY 41011-1359

Mortgage

Document Number	0005900157
Date	Mar 11, 2021
Instrument	21031105900157

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2020
Property Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0005900205
Book / Page	KC 43 / 321
Instrument Date	Jul 17, 2020
Instrument	20091405900205
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7351 MAR DEL DR, 7351, CINCINNATI, OH 45243-1805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 ORPHANAGE RD, FORT MITCHELL, KY 41017-3128

Mortgage

Document Number	0005900206
Date	Sep 14, 2020
Instrument	20091405900206

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jul 17, 2021

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2020
Property Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0000000205
Book / Page	000043 / 000321
Instrument Date	Jul 17, 2020
Instrument	205
Transaction Type	Construction Loan
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 ORPHANAGE RD FORT MITCHELL KY 410173128, FORT MITCHELL, KY 41017-3128

Mortgage

Document Number	M970621
Date	Sep 14, 2020
Book Page	000M97/000621

Lender

Name	MM LNDG LLC
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 13, 2021

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2020
Property Address	716 WILLARD ST, COVINGTON, KY 41011-1359
Document Number	0000320662
Book / Page	000032 / 000662
Instrument Date	Jul 6, 2020
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7351 MAR DEL DR CINCINNATI OH 452431805, CINCINNATI, OH 45243-1805

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		$270,000 (-) Land $10,000 Building $260,000	$270,000 (-) Land $10,000 Building $260,000
2025	$3,577.00 (-0.53%)	$270,000 (-) Land $5,000 Building $265,000	$270,000 (-) Land $5,000 Building $265,000
2023	$3,596.00	$270,000 Land $5,000 Building $265,000	$270,000 Land $5,000 Building $265,000

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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