122 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 122 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,944 sqft · built 1919
Lot Size	0.072 acres (3,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$747,000 (Jul 2022)
Tax Bill	$9,897 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`054-14-15-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-15-009.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,944 sqft Finished Area
Gross Area	2,408 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Brick
Roof Material	Tile
Lot Area	3,150 sqft (0.072 acres)
Lot Dimensions	90 ft deep x 35 ft wide
Garage Type	Basement
Garage Area	119 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	122 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT OF COV PT LOT 58 35'X 90'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	58
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4014
Census Tract	67000

Historic Designation

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

Historic District	Within the Riverside Drive Historic District listed 1971 · 30 contributing resources · NRIS 71000350

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 December 2, 2025

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	122 GARRARD ST, COVINGTON, KY 41011-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jul 20, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Deed Document Number	2022107
Deed Book / Page	178 / 297
Last Transfer Date	Jun 20, 2024
Transfer Doc	0005900085
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	122 GARRARD ST, COVINGTON, KY 41011-1714
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 GARRARD ST, COVINGTON, KY 41011-1714

Mortgage

Document Number	0005900152
Date	Apr 15, 2024
Book Page	KCM540/593
Instrument	24041505900152

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	122 GARRARD ST, COVINGTON, KY 41011-1714
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 GARRARD ST, COVINGTON, KY 41011-1714

Mortgage

Document Number	0005900092
Date	Jun 13, 2023
Book Page	KCM 468/720
Instrument	23061305900092

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 23, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2022
Property Address	122 GARRARD ST, COVINGTON, KY 41011-1714
Document Number	0005900107
Book / Page	178 / 297
Instrument Date	Jul 5, 2022
Instrument	22072005900107
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 GARRARD ST, 122, COVINGTON, KY 41011-1714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 GARRARD ST, COVINGTON, KY 41011-1714

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
2025	$9,897.00 (-0.53%)	$747,000 (-) Land $40,000 Building $707,000	$747,000 (-) Land $40,000 Building $707,000
2023	$9,950.00	$747,000 Land $40,000 Building $707,000	$747,000 Land $40,000 Building $707,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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