Kenton County property record for 808 Willard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,930 sqft |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jul 2023) |
| Tax Bill | $4,078 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-12-034.00 |
| Primary APN | 054-22-12-034.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,930 sqft Finished Area |
| Gross Area | 2,287 sqft |
| Exterior Material | Brick |
|---|---|
| Roof Material | Metal |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 808 WILLARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREERS 2ND LOT 31 25'X 100' |
| Legal Subdivision | GREERS 2ND (HOMESTEAD) |
| Legal Lot Number | 31 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 60300 |
Source: Kenton County records · APN 054-22-12-034.00
Assessment roll updated December 2, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 25, 2023 | Intrafamily Transfer, Transfer |
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Oct 28, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2023 · Amount on Record |
| Deed Sale | Jul 25, 2023 · Amount on Record |
| Prior Sale | Dec 27, 2011 · Amount on Record |
| Deed Document Number | 202358 |
| Deed Book / Page | 237 / 307 |
| Prior Transfer Date | Jul 21, 2023 |
| Prior Transfer Doc | 0005900058 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 25, 2023 |
| Property Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0005900058 |
| Book / Page | KC 237 / 307 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 23072505900058 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005900157 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 284/516 |
| Instrument | 21101305900157 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 808 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000070 |
| Instrument Date | Oct 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 808 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 0000000070 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 0C6803/000098 |
| Instrument | 70 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| 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 | $4,078.00 (+17.15%) | $307,800 (-) Land $10,000 Building $297,800 | $307,800 (-) Land $10,000 Building $297,800 |
| 2023 | $3,481.00 (-1.42%) Homeowner's exemption | $307,800 (-) Land $10,000 Building $297,800 | $307,800 (-) Land $10,000 Building $297,800 |
| 2022 | $3,531.00 Homeowner's exemption | $307,800 Land $10,000 Building $297,800 | $307,800 Land $10,000 Building $297,800 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell 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 USA, Verizon.
Based on FCC filings for 656 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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