831 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 831 Willard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1894
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Feb 2010)
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-06-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-06-009.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,749 sqft Finished Area
Gross Area	1,875 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	831 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREERS ADDN BLK 47 PT LOTS 13-14 26' WS WILLARD 75' N 9TH
Legal Subdivision	GREERS ADDN
Legal Phase	47
Legal Block	47
Legal Lot Number	13,14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1018
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	2 Individual Names on Record
Mailing Address	831 WILLARD ST, COVINGTON, KY 41011-1370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2010 · Amount on Record
Deed Sale	Feb 17, 2010 · Amount on Record
Prior Sale	Aug 17, 2007 · Amount on Record
Deed Document Number	201002 17 059 00002
Deed Book / Page	4228 / 243
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	831 WILLARD ST, COVINGTON, KY 41011-1370
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900180
Date	Feb 10, 2022
Book Page	336/543
Instrument	22021005900180

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2032

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	831 WILLARD ST, COVINGTON, KY 41011-1370
Document Number	0000000105
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	831 WILLARD ST COVINGTON KY 410111370, COVINGTON, KY 41011-1370

Mortgage

Document Number	0000000105
Date	May 5, 2020
Book Page	000040/000951
Instrument	105

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 4, 2035

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		$248,100 (+12.26%) Land $10,000 Building $238,100	$248,100 (+12.26%) Land $10,000 Building $238,100
2025	$2,277.00 (-22.63%) Homeowner's exemption	$221,000 (-) Land $5,000 Building $216,000	$221,000 (-) Land $5,000 Building $216,000
2023	$2,943.00	$221,000 Land $5,000 Building $216,000	$221,000 Land $5,000 Building $216,000

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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