976 Winding Way, Covington, KY 41011 Property Records

Kenton County property record for 976 Winding Way, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,012 sqft · built 1996
Lot Size	0.05 acres (2,174 sqft)
Owner	Company Name on File
Last Sale	$631,300 (Jun 2017)
Tax Bill	$6,256 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-41-07-005.02`

Property Details

APN / Parcel Number

Primary APN	`040-41-07-005.02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,012 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	2,174 sqft (0.05 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	976 WINDING WAY
City	COVINGTON
State	KY
Zip	41011-1189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOOTONS KENTON HILLS LOT 6 & PT 7 SEC 2 BEING 2174 SQ FT
Legal Subdivision	WOOTONS
Legal Phase	2
Legal Lot Number	6,7
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4004
Census Tract	63800

Owner

Source: Kenton County assessment roll, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	976 WINDING WAY, COVINGTON, KY 41011-1189
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS MTG
Dec 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 12, 2017	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Prior Sale	Nov 16, 2004 · Amount on Record
Deed Document Number	201706 12 059 00248
Deed Book / Page	6179 / 226
Last Transfer Date	Oct 21, 2019
Transfer Doc	0000000377
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	976 WINDING WAY, COVINGTON, KY 41011-1189
Document Number	0000000185
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	976 WINDING WAY COVINGTON KY 410111189, COVINGTON, KY 41011-1189

Mortgage

Document Number	0000000185
Date	Jun 1, 2020
Book Page	000M51/000080
Instrument	185

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	May 31, 2033

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 30, 2019
Property Address	976 WINDING WAY, COVINGTON, KY 41011-1189
Document Number	0000000377
Book / Page	0C6844 / 000123
Instrument Date	Oct 21, 2019
Instrument	377
Transaction Type	Transfer
Record Updated	Jan 14, 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	Personal Trust
Address	976 WINDING WAY COVINGTON KY 410111189, COVINGTON, KY 41011-1189

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 12, 2017
Property Address	976 WINDING WAY, COVINGTON, KY 41011-1189
Document Number	0000000248
Book / Page	0C6179 / 000226
Instrument Date	Jun 9, 2017
Instrument	248
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$631.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	976 WINDING WAY COVINGTON KY 410111189, COVINGTON, KY 41011-1189

Mortgage

Document Number	249
Date	Jun 12, 2017
Book Page	0C6179/000229
Instrument	249

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 11, 2032

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
2025	$6,256.00 (-7.03%)	$631,300 (-) Land $65,000 Building $566,300	$631,300 (-) Land $65,000 Building $566,300
2023	$6,729.00	$631,300 Land $65,000 Building $566,300	$631,300 Land $65,000 Building $566,300

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
Adjoins Burnable Land	Yes

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 248 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	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Nearby Properties on Winding Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures