818 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 818 Willard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,880 sqft
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Sep 2024)
Tax Bill	$8,480 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-12-029.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-12-029.00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,880 sqft Finished Area

Exterior

Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542212029.00
Street Address	818 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS 2ND LOT 21 25'X 100'
Legal Subdivision	GREERS 2ND (HOMESTEAD)
Legal Lot Number	21
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1015
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 November 27, 2025

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
Co-owner	Co-owner on Record
Mailing Address	818 WILLARD ST, COVINGTON, KY 41011-1361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
May 20, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jul 30, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2024 · Amount on Record
Deed Sale	Sep 23, 2024 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	0000306315
Deed Book / Page	306 / 315
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 23, 2024
Property Address	818 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0005900009
Book / Page	KC 306 / 315
Instrument Date	Sep 20, 2024
Instrument	24092305900009
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2730 PARK AVE UNIT 430, 430, NORWOOD, OH 45212-2580

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	818 WILLARD ST, COVINGTON, KY 41011-1361

Mortgage

Document Number	0005900010
Date	Sep 23, 2024
Instrument	24092305900010

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 20, 2021
Property Address	818 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0005900043
Book / Page	91 / 627
Instrument Date	May 4, 2021
Instrument	21052005900043
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6117 W FORK RD, CINCINNATI, OH 45247-5765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 WILLARD ST, COVINGTON, KY 41011-1361

Mortgage

Document Number	0005900044
Date	May 20, 2021
Instrument	21052005900044

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 30, 2020
Property Address	818 WILLARD ST, COVINGTON, KY 41011-5001
Document Number	0000000287
Book / Page	000034 / 000609
Instrument Date	Jul 28, 2020
Instrument	287
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6117 W FORK RD CINCINNATI OH 452475765, CINCINNATI, OH 45247-5765

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$8,480.00 (+13.69%)	$640,000 (+14.29%) Land $21,000 Building $619,000	$640,000 (+14.29%) Land $21,000 Building $619,000
2023	$7,459.00	$560,000 Land $21,000 Building $539,000	$560,000 Land $21,000 Building $539,000

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 656 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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