Kenton County property record for 822 Willard St, Covington, KY 41011 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,890 sqft · built 1890 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,794 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-12-027.00 |
| Primary APN | 054-22-12-027.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 2,890 sqft Finished Area |
| Year Built | Built 1890 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Slate |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0542212027.00 |
|---|---|
| Street Address | 822 WILLARD ST |
| City | COVINGTON |
| State | KY |
| Zip | 41011-1361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREERS 2ND LOT 17 25'X 100' |
| Legal Subdivision | GREERS 2ND (HOMESTEAD) |
| Legal Lot Number | 17 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 60300 |
Source: Kenton County records · APN 054-22-12-027.00
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 | Individual Name on File |
|---|---|
| Mailing Address | 822 WILLARD ST, COVINGTON, KY 41011-1361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Sep 21, 2017 | Deed of Trust, Mortgage · Line of Credit KEMBA CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 07, 1990 |
| Deed Sale | May 07, 1990 |
| Deed Document Number | 0001019142 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 822 WILLARD ST, COVINGTON, KY 41011-1361 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900177 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 206/457 |
| Instrument | 21042205900177 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 822 WILLARD ST, COVINGTON, KY 41011-1361 |
| Document Number | 0000000279 |
| Book / Page | 0C6264 / 000111 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 822 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361 |
| Document Number | 0000000279 |
|---|---|
| Date | Oct 03, 2017 |
| Book Page | 0C6264/000111 |
| Instrument | 279 |
| Name | KEMBA CU |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 02, 2032 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,794.00 (-1.79%) Disabled Person's exemption | $260,000 (-) Land $10,000 Building $250,000 | $260,000 (-) Land $10,000 Building $250,000 |
| 2023 | $2,845.00 Disabled Person's exemption | $260,000 Land $10,000 Building $250,000 | $260,000 Land $10,000 Building $250,000 |
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 | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within 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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