1214 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1214 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,792 sqft · built 1900
Lot Size	0.079 acres (3,449 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Feb 2023)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-42-03-041.00`

Property Details

APN / Parcel Number

Primary APN	`054-42-03-041.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,792 sqft Finished Area
Gross Area	2,156 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	3,449 sqft (0.079 acres)
Lot Dimensions	77.5 ft deep x 44.5 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1214 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADAMS & WHEELER PT LOT 5 44.5'X 77.5'
Legal Subdivision	ADAMS & WHEELER
Legal Lot Number	5
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 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	6381 CEDAR LAKE CT, FAIRFIELD TOWNSHIP, OH 45011-8149
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Feb 22, 2023	Warranty Deed, Transfer
Sep 1, 2022	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on Record
Deed Sale	Feb 22, 2023 · Amount on Record
Prior Sale	Sep 1, 2022 · Amount on Record
Deed Document Number	202319
Deed Book / Page	214 / 341
Last Transfer Date	Nov 26, 2025
Transfer Doc	0005900174
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Dec 1, 2025
Property Address	1214 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900174
Book / Page	KC 377 / 456
Instrument Date	Nov 26, 2025
Instrument	25120105900174
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMER HOMELAND TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6381 CEDAR LAKE CT, FAIRFIELD TOWNSHIP, OH 45011-8149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6381 CECARLAKE CT, FAIRFIELD TOWNSHIP, OH 45011-8149

Mortgage

Document Number	0005900175
Date	Dec 1, 2025
Instrument	25120105900175

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 22, 2023
Property Address	1214 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900019
Book / Page	KC 214 / 341
Map Reference	PL 3
Instrument Date	Feb 17, 2023
Instrument	23022205900019
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

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

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6641 BRAMBLE AVE, CINCINNATI, OH 45227-3135

September 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Sep 1, 2022
Property Address	1214 GARRARD ST, COVINGTON, KY 41011-3508
Document Number	0005900053
Book / Page	187 / 506
Map Reference	PL 3
Instrument Date	Aug 15, 2022
Instrument	22090105900053
Transaction Type	Foreclosure
Record Updated	Sep 16, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

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		$150,200 (+66.89%) Land $10,000 Building $140,200	$150,200 (+66.89%) Land $10,000 Building $140,200
2025	$1,192.00 (+75.55%)	$90,000 (+76.47%) Land $5,000 Building $85,000	$90,000 (+76.47%) Land $5,000 Building $85,000
2023	$679.00	$51,000 Land $5,000 Building $46,000	$51,000 Land $5,000 Building $46,000

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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