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809 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 809 Willard St, Covington, KY 41011 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1886
Square Footage2,303 sqft Finished Area
Lot Size2,673 sqft (0.061 acres)
OccupancyOwner Occupied
Last Sale$454,000 (2024)
Tax Bill$6,015.00 (2025)

Property Details

APN / Parcel Number

Primary APN054-22-05-006.00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Total Rooms6 Rooms
Building Area2,303 sqft Finished Area
Stories3 Stories
FireplaceFireplace
Fireplaces3 Fireplaces

Exterior

Year BuiltBuilt 1886
Exterior MaterialBrick Exterior
Foundation TypeStone Foundation
Roof MaterialMetal Roof
Lot Area2,673 sqft (0.061 acres)
Depth X Width99 ft x 27 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number0542205006.00
Street Address809 WILLARD ST
CityCOVINGTON
StateKY
Zip41011-1360
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGREERS ADDN BLK 47 PT LOTS 7-8 27'X 99' WS WILLARD 154' N LOCKWOOD
Legal SubdivisionGREERS ADDN
Legal Phase47
Legal Block47
Legal Lot Number7,8
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup1
Census Block1014
Census Tract60300

Owner

Source: Kenton County records · APN 054-22-05-006.00

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address809 WILLARD ST, COVINGTON, KY 41011-1360
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 18, 2024Deed of Trust, Mortgage · Line of Credit
US BANK NA
Mar 04, 2022Warranty Deed, Transfer · Conventional Mortgage
PRIMELENDING
Apr 05, 2017Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 18, 2024 · Amount on Record
Deed SaleApr 18, 2024 · Amount on Record
Prior SaleMar 04, 2022 · Amount on Record
Deed Doc Number0000279974
Deed Book / Page279 / 974
Record RefreshedJun 08, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address809 WILLARD ST, COVINGTON, KY 41011-1360
Transaction TypeMortgage
Record UpdatedMay 06, 2024
Title CompanyNORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transferred To (Grantee/Buyer)

NameVerified Name
Address84 HOME ST, NEWPORT, KY 41071-3620

Mortgage

Document Number0005900011
DateApr 18, 2024
Book PageKCM541/710
Instrument24041805900011
Lender
NameUS BANK NA
TypeBank
Address2800 TAMARACK RD, OWENSBORO, KY 42301
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueMay 01, 2054

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 04, 2022
Property Address809 WILLARD ST, COVINGTON, KY 41011-1360
Document Number0005900187
Book / Page151 / 621
Map ReferencePL 95
Instrument DateMar 03, 2022
Instrument22030405900187
Transaction TypeTransfer
Record UpdatedMar 17, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address535 HILLTOP LN, 535, CINCINNATI, OH 45215-2530

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 WILLARD ST, COVINGTON, KY 41011-1360

Mortgage

Document Number0005900188
DateMar 04, 2022
Instrument22030405900188
Lender
NamePRIMELENDING
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address809 WILLARD ST, COVINGTON, KY 41011-1360
Document Number0000000183
Book / Page0C6133 / 000268
Instrument DateApr 05, 2017
Transaction TypeMortgage
Record UpdatedMay 17, 2017
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 WILLARD ST COVINGTON KY 410111360, COVINGTON, KY 41011-1360

Mortgage

Document Number0000000183
DateApr 10, 2017
Book Page0C6133/000268
Instrument183
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank (FSB)
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueApr 09, 2047
Interest
Rate TypeAdjustable Rate
Rate2.87%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$6,015.00 (+12.94%)$454,000 (+13.53%) Land $5,000 Building $449,000$454,000 (+13.53%) Land $5,000 Building $449,000
2023$5,326.00$399,900 Land $5,000 Building $394,900$399,900 Land $5,000 Building $394,900

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