Kenton County property record for 810 Willard St, Covington, KY 41011 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,736 sqft · built 1886 |
| Lot Size | 0.061 acres (2,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (May 2018) |
| Tax Bill | $3,975 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-12-033.00 |
| Primary APN | 054-22-12-033.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,736 sqft Finished Area |
| Gross Area | 2,138 sqft |
| Year Built | Built 1886 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,700 sqft (0.061 acres) |
| Lot Dimensions | 100 ft deep x 27 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0542212033.00 |
|---|---|
| Street Address | 810 WILLARD ST |
| City | COVINGTON |
| State | KY |
| Zip | 41011-1361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREERS 2ND LOT 29 & PT LOT 27 27'X 100' |
| Legal Subdivision | GREERS 2ND (HOMESTEAD) |
| Legal Lot Number | 29,27 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 60300 |
Source: Kenton County records · APN 054-22-12-033.00
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 | 810 WILLARD ST, COVINGTON, KY 41011-1361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage KEMBA CREDIT UNION |
| Jun 05, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| May 25, 2018 | Warranty Deed, Transfer · Conventional with PMI PNC BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 25, 2018 · Amount on Record |
| Deed Sale | May 25, 2018 · Amount on Record |
| Prior Sale | Feb 11, 2016 · Amount on Record |
| Deed Document Number | 0006419117 |
| Deed Book / Page | 6419 / 117 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2026 |
| Property Address | 810 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000015343 |
| Book / Page | 461 / 995 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202615343 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2026 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41,814.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 810 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000015344, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 2026072015344 |
| Name | KEMBA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 810 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000158 |
| Instrument Date | Jun 05, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 810 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 0000000158 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 000M75/000387 |
| Instrument | 158 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 25, 2018 |
| Property Address | 810 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000229 |
| Book / Page | 0C6419 / 000117 |
| Instrument Date | May 23, 2018 |
| Instrument | 229 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 810 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 231 |
|---|---|
| Date | May 25, 2018 |
| Book Page | 0C6419/000120 |
| Instrument | 231 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 24, 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 | $3,975.00 (-0.53%) | $300,000 (-) Land $10,000 Building $290,000 | $300,000 (-) Land $10,000 Building $290,000 |
| 2023 | $3,996.00 | $300,000 Land $10,000 Building $290,000 | $300,000 Land $10,000 Building $290,000 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | 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.
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