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1126 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1126 Garrard St, Covington, KY 41011

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,453 sqft · built 1886
Lot Size0.036 acres (1,561 sqft)
OwnerIndividual Name on File
Last Sale$10,000 (Feb 2019)
Tax Bill$867 (2025)
Deeds & MortgagesFeb 2019 Sale
Flood ZoneZone X (minimal risk)
APN054-42-02-001.00

Property Details

APN / Parcel Number

Primary APN054-42-02-001.00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,453 sqft Finished Area
Gross Area2,585 sqft

Exterior

Year BuiltBuilt 1886
Effective Year BuiltEffective 1886
Exterior MaterialCombination
Foundation TypeStone
Roof MaterialMetal
Lot Area1,561 sqft (0.036 acres)
Lot Dimensions70 ft deep x 22.3 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address1126 GARRARD ST
CityCOVINGTON
StateKY
Zip41011-3260
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionADAMS & WHEELER PT LOT 12 22.25'X 70'
Legal SubdivisionADAMS & WHEELER
Legal Lot Number12
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2015
Census Tract67100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Helentown Historic District
listed 1987 · 689 contributing resources · NRIS 86003481

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1126 Garrard St is owned by an individual who bought it in February 2019.

Source: Kenton County records, as of October 20, 2026

Owner of RecordIndividual Name on File
Mailing Address408 BUSH ST, COVINGTON, KY 41011-3232
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 25, 2019 · Amount on File
Deed SaleFeb 25, 2019 · Amount on File
Prior SaleMay 28, 1999 · Amount on File
Deed Document Number201902 25 059 00038
Deed Book / Page6605 / 150
Record UpdatedOct 29, 2026

February 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateFeb 25, 2019
Property Address1126 GARRARD ST, COVINGTON, KY 41011-3260
Document Number0000000038
Book / Page0C6605 / 000150
Instrument DateFeb 22, 2019
Instrument38
Transaction TypeTransfer
Record UpdatedMar 6, 2019
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

AmountAmount on Record
Tax$10.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address216 E 10TH ST COVINGTON KY 410113206, COVINGTON, KY 41011-3206

Tax Assessment & Valuation

The 2025 property tax bill for 1126 Garrard St was $867.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$182,200 (+178.17%) Land $10,000 Building $172,200$182,200 (+178.17%) Land $10,000 Building $172,200
2025$867.00$65,500 Land $5,000 Building $60,500$65,500 Land $5,000 Building $60,500
2023$872.00$65,500 Land $5,000 Building $60,500$65,500 Land $5,000 Building $60,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1126 Garrard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1126 Garrard St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land 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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 591 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

May also be available: T-Mobile, Verizon.

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