Kenton County property record for 802 Willard St, Covington, KY 41011 · Last verified December 2025
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,844 sqft |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jun 2018) |
| Tax Bill | $3,776 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-12-001.00 |
| Primary APN | 054-22-12-001.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,844 sqft Finished Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Area | 206 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0542212001.00 |
|---|---|
| Street Address | 802 WILLARD ST |
| City | COVINGTON |
| State | KY |
| Zip | 41011-1361 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | GREERS 2ND LOT 37 25'X 100' |
| Legal Subdivision | GREERS 2ND (HOMESTEAD) |
| Legal Lot Number | 37 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 60300 |
Source: Kenton County records · APN 054-22-12-001.00
Assessment roll updated April 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 804 WILLARD ST, COVINGTON, KY 41011-1361 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG SVC |
| Aug 22, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Jun 13, 2018 | Grant Deed, Transfer · VA Mortgage AMERICAN MTG SVC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2018 · Amount on Record |
| Deed Sale | Jun 13, 2018 · Amount on Record |
| Prior Sale | Sep 05, 2012 · Amount on Record |
| Deed Document Number | 0006429348 |
| Deed Book / Page | 6429 / 348 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 802 WILLARD ST, COVINGTON, KY 41011-1361 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005900191 |
|---|---|
| Date | Jan 05, 2022 |
| Book Page | 322/330 |
| Instrument | 22010505900191 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 802 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000283 |
| Instrument Date | Dec 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 802 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 0000000283 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 0C6837/000327 |
| Instrument | 283 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 802 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000089 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 802 WILLARD ST #1 COVINGTON KY 410111361, 1, COVINGTON, KY 41011-1361 |
| Document Number | 0000000089 |
|---|---|
| Date | Feb 06, 2020 |
| Book Page | 0000M9/000671 |
| Instrument | 89 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 05, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 13, 2018 |
| Property Address | 802 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000017 |
| Book / Page | C64269 / 000348 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 17 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 802 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 18 |
|---|---|
| Date | Jun 13, 2018 |
| Book Page | 0C6429/000350 |
| Instrument | 18 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,776.00 (-0.53%) | $285,000 (-) Land $10,000 Building $275,000 | $285,000 (-) Land $10,000 Building $275,000 |
| 2023 | $3,796.00 | $285,000 Land $10,000 Building $275,000 | $285,000 Land $10,000 Building $275,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 656 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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