1210 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1210 Garrard St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	1 ba · 1,248 sqft · built 1900
Lot Size	0.051 acres (2,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,000 (Dec 2025)
Tax Bill	$1,240 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-42-03-043.00`

Property Details

APN / Parcel Number

Primary APN	`054-42-03-043.00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Finished Area
Gross Area	1,312 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,230 sqft (0.051 acres)
Lot Dimensions	100 ft deep x 22.3 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1210 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3508
Property Category	Other
Property Type	Other > Other Improved
Legal Description	ADAMS & WHEELER PT LOT 6 22.25'X 100'
Legal Subdivision	ADAMS & WHEELER
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
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 21, 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	430 REDDING RD, 2211, LEXINGTON, KY 40517-2549
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 1, 2023	Warranty Deed, Transfer
Jun 21, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	2025123024
Deed Book / Page	383 / 184
Prior Transfer Date	Jul 26, 2022
Prior Transfer Doc	0000000185
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 30, 2025
Property Address	1210 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900024
Book / Page	KC 383 / 184
Instrument Date	Dec 26, 2025
Instrument	25123005900024
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 E 5TH ST, COVINGTON, KY 41011-1511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	430 REDDING RD APT 2211, 2211, LEXINGTON, KY 40517-2549

Mortgage

Document Number	0005900025
Date	Dec 30, 2025
Instrument	25123005900025

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 1, 2023
Property Address	1210 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900038
Book / Page	KC 229 / 72
Instrument Date	May 30, 2023
Instrument	23060105900038
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 W 8TH ST, NEWPORT, KY 41071-1348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 LAKEWOOD DR, TAYLOR MILL, KY 41015-4409

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jun 21, 2022
Property Address	1210 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900050
Book / Page	172 / 294
Map Reference	MB 498 PG 489
Instrument Date	Apr 12, 2022
Instrument	22062105900050
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	861 BEECHER ST, CINCINNATI, OH 45206-1537

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 W 8TH ST, NEWPORT, KY 41071-1348
Investor	Possibly a Property Investor

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		$204,000 (+117.95%) Land $10,000 Building $194,000	$204,000 (+117.95%) Land $10,000 Building $194,000
2025	$1,240.00 (+133.08%)	$93,600 (+134%) Land $5,000 Building $88,600	$93,600 (+134%) Land $5,000 Building $88,600
2023	$532.00	$40,000 Land $5,000 Building $35,000	$40,000 Land $5,000 Building $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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