828 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 828 Willard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,544 sqft · built 1900
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Jul 2020)
Tax Bill	$6,305 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-12-024.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-12-024.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,544 sqft Finished Area
Gross Area	2,148 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	828 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS 2ND LOT 11 25'X 100'
Legal Subdivision	GREERS 2ND (HOMESTEAD)
Legal Lot Number	11
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 October 20, 2026

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
Mailing Address	828 WILLARD ST, COVINGTON, KY 41011-1361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BK
Apr 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 4, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	20205900151
Deed Book / Page	32 / 870
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	0000000103
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	828 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0000000152
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361

Mortgage

Document Number	0000000152
Date	Jul 21, 2020
Book Page	000M71/000967
Instrument	152

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2035

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 7, 2020
Property Address	828 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0000000103
Book / Page	000015 / 000801
Instrument Date	Mar 10, 2020
Instrument	103
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	828 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 4, 2019
Property Address	828 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0000000235
Book / Page	0C6611 / 000218
Instrument Date	Feb 28, 2019
Instrument	235
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 WILLARD ST COVINGTON KY 410111361, COVINGTON, KY 41011-1361

Mortgage

Document Number	236
Date	Mar 4, 2019
Book Page	0C6611/000221
Instrument	236

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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
2026		$525,000 (-) Land $10,000 Building $515,000	$525,000 (-) Land $10,000 Building $515,000
2025	$6,305.00 (-1.08%) Homeowner's exemption	$525,000 (-) Land $10,000 Building $515,000	$525,000 (-) Land $10,000 Building $515,000
2023	$6,374.00 Disabled Person's exemption	$525,000 Land $10,000 Building $515,000	$525,000 Land $10,000 Building $515,000

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	Indirect within 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 607 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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