838 Willard St, Covington, KY 41011 Property Records

Kenton County property record for 838 Willard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,037 sqft · built 1880
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Mar 2014)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-22-12-019.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-12-019.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,037 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
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	838 WILLARD ST
City	COVINGTON
State	KY
Zip	41011-1361
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GREERS 2ND LOT 1 25'X 100'
Legal Subdivision	GREERS 2ND (HOMESTEAD)
Legal Lot Number	1
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 21, 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	838 WILLARD ST, COVINGTON, KY 41011-1361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2014 · Amount on Record
Deed Sale	Mar 31, 2014 · Amount on Record
Prior Sale	Jun 20, 2008
Deed Document Number	201403 31 059 00069
Deed Book / Page	5382 / 257
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	838 WILLARD ST, COVINGTON, KY 41011-1361
Document Number	0000000229
Book / Page	0C6227 / 000087
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 WILLARD ST #1 COVINGTON KY 410111361, 1, COVINGTON, KY 41011-1361

Mortgage

Document Number	0000000229
Date	Aug 17, 2017
Book Page	0C6227/000087
Instrument	229

Lender

Name	WRIGHTPATT CU INC
Address	BEAVERCREEK, OH 45431

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2047

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		$200,000 (+81.82%) Land $10,000 Building $190,000	$200,000 (+81.82%) Land $10,000 Building $190,000
2025	$1,457.00 (-0.55%)	$110,000 (-) Land $10,000 Building $100,000	$110,000 (-) Land $10,000 Building $100,000
2023	$1,465.00	$110,000 Land $10,000 Building $100,000	$110,000 Land $10,000 Building $100,000

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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