1225 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1225 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft
Lot Size	0.05 acres (2,185 sqft)
Owner	Individual Name on Record
Last Sale	$206,500 (Jan 2026)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-26-010.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-26-010.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,368 sqft Finished Area
Gross Area	2,052 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,185 sqft (0.05 acres)
Lot Dimensions	95 ft deep x 23 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1225 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23X95' WS GARRARD 43' S TREVOR
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	346,34
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2020
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	1225 GARRARD ST, COVINGTON, KY 41011-3501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage KEMBA CREDIT UNION
Jan 8, 2026	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC
Oct 2, 2023	Limited Warranty Deed, Transfer · Commercial Mortgage REHAB FINANCIAL GROUP LP
Nov 2, 2021	Warranty Deed, Transfer · Construction Mortgage IL LENDING LLC
Aug 9, 2021	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2026 · Amount on Record
Deed Sale	Jan 8, 2026 · Amount on Record
Prior Sale	Oct 2, 2023 · Amount on Record
Deed Document Number	2026195
Deed Book / Page	383 / 779
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 8, 2026
Property Address	1225 GARRARD ST, COVINGTON, KY 41011-3501
Document Number	0000013963
Book / Page	456 / 184
Instrument Date	Jun 16, 2026
Instrument	202613963
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 GARRARD ST, COVINGTON, KY 41011-3501

Mortgage

Document Number	0000013963,
Date	Jul 8, 2026
Book Page	456/184
Instrument	202613963

Lender

Name	KEMBA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 8, 2026
Property Address	1225 GARRARD ST, COVINGTON, KY 41011-3501
Document Number	0000000195
Book / Page	KC 383 / 779
Instrument Date	Dec 23, 2025
Instrument	26059000000195
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1225 GARRARD ST, COVINGTON, KY 41011-3501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1225 GARRARD ST, COVINGTON, KY 41011-3501

Mortgage

Document Number	0000000196
Date	Jan 8, 2026
Instrument	26059000000196

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

October 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 2, 2023
Property Address	1225 GARRARD ST, COVINGTON, KY 41011-3501
Document Number	0005900003
Book / Page	KC 249 / 373
Instrument Date	Sep 26, 2023
Instrument	23100205900003
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ABSOLUTE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
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	7945 W SAHARA AVE, LAS VEGAS, NV 89117-7950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7723 TYLERS PLACE BLVD, WEST CHESTER, OH 45069-4684

Mortgage

Document Number	0005900004
Date	Oct 2, 2023
Book Page	KCM 496/102
Instrument	23100205900004

Lender

Name	REHAB FINANCIAL GROUP LP
Address	BRYN MAWR, PA 19010

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Sep 26, 2024

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2021
Property Address	1225 GARRARD ST, COVINGTON, KY 41011-3501
Document Number	0005900239
Book / Page	128 / 492
Instrument Date	Aug 31, 2021
Instrument	21110205900239
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$42.00
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	7945 W SAHARA AVE STE 208, 208, LAS VEGAS, NV 89117-7908

Mortgage

Document Number	0005900240
Date	Nov 2, 2021
Book Page	295/253
Instrument	21110205900240

Lender

Name	IL LENDING LLC
Type	Non-Lending Institution
Address	NEW YORK, NY 10022

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Sep 1, 2022

August 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2021
Property Address	1225 GARRARD ST, COVINGTON, KY 41011-3501
Document Number	0005900008
Book / Page	109 / 216
Instrument Date	Jul 26, 2021
Instrument	21080905900008
Transaction Type	Foreclosure
Record Updated	Jan 10, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9228 KENWOOD ROAD, COVINGTON, KY 41011

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		$206,500 (+61.33%) Land $10,000 Building $196,500	$206,500 (+61.33%) Land $10,000 Building $196,500
2025	$1,696.00 (+203.4%)	$128,000 (+204.76%) Land $5,000 Building $123,000	$128,000 (+204.76%) Land $5,000 Building $123,000
2023	$559.00 (+0.9%)	$42,000 (-) Land $5,000 Building $37,000	$42,000 (-) Land $5,000 Building $37,000
2022	$554.00	$42,000 Land $5,000 Building $37,000	$42,000 Land $5,000 Building $37,000

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.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures