1211 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1211 Garrard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,194 sqft
Lot Size	0.052 acres (2,280 sqft)
Owner	Individual Name on Record
Last Sale	$164,300 (Mar 2025)
Tax Bill	$1,825 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-25-014.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-25-014.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,194 sqft Finished Area
Gross Area	2,264 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,280 sqft (0.052 acres)
Lot Dimensions	95 ft deep x 24 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Street Address	1211 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3507
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	BAP 1ST PTS 306-307 24X95' WS GARRARD ST 49' N OF TREVOR ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	306,30
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2017
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	Individual Name on Record
Mailing Address	1112 LOCUST AVE, DAYTON, KY 41074-1523
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BK
Apr 15, 2020	Warranty Deed, Transfer BLYTHE TITLE AND ESCROW LLC, BLYTHE TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2025 · Amount on Record
Deed Sale	Mar 18, 2025 · Amount on Record
Prior Sale	Mar 8, 2022 · Amount on Record
Deed Document Number	202514
Deed Book / Page	333 / 774
Prior Transfer Date	Feb 10, 2005
Prior Transfer Doc	0005900168
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 8, 2022
Property Address	1211 GARRARD ST, COVINGTON, KY 41011-3507
Document Number	0005900096
Book / Page	152 / 143
Instrument Date	Mar 4, 2022
Instrument	22030805900096
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS 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	8507 WHISPERWOODS LN, CINCINNATI, OH 45249-1318

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5135 IMWALLE AVE, COVINGTON, KY 41011

Mortgage

Document Number	0005900097
Date	Mar 8, 2022
Instrument	22030805900097

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1211 GARRARD ST, COVINGTON, KY 41011-3507
Document Number	0000000209
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	LOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8507 WHISPERWOODS LN CINCINNATI OH 452491318, CINCINNATI, OH 45249-1318

Mortgage

Document Number	0000000209
Date	Dec 17, 2020
Book Page	000142/000364
Instrument	209

Lender

Name	CITIZENS UNION BK
Type	Bank
Address	OWENTON, KY 40359

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 16, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2020
Property Address	1211 GARRARD ST, COVINGTON, KY 41011-3507
Document Number	0000000052
Book / Page	000016 / 000842
Instrument Date	Mar 16, 2020
Instrument	52
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	BLYTHE TITLE AND ESCROW LLC, BLYTHE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8507 WHISPERWOODS LN CINCINNATI OH 452491318, CINCINNATI, OH 45249-1318

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		$164,300 (+19.23%) Land $10,000 Building $154,300	$164,300 (+19.23%) Land $10,000 Building $154,300
2025	$1,825.00 (-0.54%)	$137,800 (-) Land $5,000 Building $132,800	$137,800 (-) Land $5,000 Building $132,800
2023	$1,835.00	$137,800 Land $5,000 Building $132,800	$137,800 Land $5,000 Building $132,800

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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