1133 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1133 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,792 sqft
Lot Size	0.081 acres (3,525 sqft)
Owner	Company Name on Record
Last Sale	$2,500 (Sep 2022)
Tax Bill	$1,144 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-24-012.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-24-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,792 sqft Finished Area
Gross Area	1,960 sqft

Exterior

Exterior Material	Brick
Construction Type	Frame
Foundation Type	Stone
Roof Material	Metal
Lot Area	3,525 sqft (0.081 acres)
Lot Dimensions	75 ft deep x 47 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1133 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	47X75 PT LOTS 114-115 BAP 2ND
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	2
Legal Lot Number	114,11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
Census Tract	67100

Historic Designation

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

Historic District	Within 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

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	Company Name on Record
Mailing Address	3755 SUNBURST RDG, CINCINNATI, OH 45248-2956
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage ANNBELEN HEMELGARN
Aug 30, 2022	Warranty Deed, Transfer
Oct 11, 2021	Commissioner's Deed, Foreclosure
Mar 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 9, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Aug 30, 2022 · Amount on Record
Deed Document Number	202242
Deed Book / Page	192 / 308
Prior Transfer Date	Feb 27, 2020
Prior Transfer Doc	0005900307
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1133 GARRARD ST, COVINGTON, KY 41011-3259
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900161
Date	Sep 20, 2022
Book Page	408/697
Instrument	22092005900161

Lender

Name	ANNBELEN HEMELGARN
Type	Private Party
Address	1 EQUITY WAY, WESTLAKE, OH 44145

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2023

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 30, 2022
Property Address	1133 GARRARD ST, COVINGTON, KY 41011-3259
Document Number	0005900001
Book / Page	186 / 639
Map Reference	PL 77
Instrument Date	Aug 22, 2022
Instrument	22083005900001
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10600 JEFFERSON AVE, 10600, LOVELAND, OH 45140-8611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3755 SUNBURST RDG, CINCINNATI, OH 45248-2956
Investor	Possibly a Property Investor

October 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Oct 11, 2021
Property Address	1133 GARRARD ST, COVINGTON, KY 41011-3259
Document Number	0005900184
Book / Page	122 / 762
Map Reference	PL 77
Instrument Date	Aug 30, 2021
Instrument	21101105900184
Transaction Type	Foreclosure
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MADISON AVE # AVE8TH, 230, COVINGTON, KY 41011-1539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9228 KENWOOD RD, BLUE ASH, OH 45242-7469

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Mar 10, 2020
Property Address	1133 GARRARD ST, COVINGTON, KY 41011-3259
Document Number	0000000307
Book / Page	000011 / 000126
Instrument Date	Feb 27, 2020
Instrument	307
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	205 E CENTRAL BLVD #600 ORLANDO FL 328011995, 600, ORLANDO, FL 32801-1995

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 9, 2017
Property Address	1133 GARRARD ST, COVINGTON, KY 41011-3259
Document Number	0000000260
Book / Page	0C6178 / 000195
Instrument Date	May 8, 2017
Instrument	260
Transaction Type	Transfer
Record Updated	Jun 21, 2017

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2 S ORANGE AVE #202 ORLANDO FL 328012634, 202, ORLANDO, FL 32801-2634

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		$138,200 (+59.95%) Land $10,000 Building $128,200	$138,200 (+59.95%) Land $10,000 Building $128,200
2025	$1,144.00 (+378.66%)	$86,400 (+38%) Land $5,000 Building $81,400	$86,400 (+38%) Land $5,000 Building $81,400
2023	$239.00	$18,000 Land $5,000 Building $13,000	$18,000 Land $5,000 Building $13,000

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	Not 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 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 794 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

May also be available: Verizon.

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