1234 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1234 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,445 sqft
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Aug 2024)
Tax Bill	$993 (2025)
Deeds & Mortgages	Nov 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-42-04-037.00`

Property Details

APN / Parcel Number

Primary APN	`054-42-04-037.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,445 sqft Finished Area

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	100 ft deep x 24 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1234 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADAMS & WHEELER PT LOT 1 24'X 100'
Legal Subdivision	ADAMS & WHEELER
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1010
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	Company Name on Record
Mailing Address	1234 GARRARD ST, COVINGTON, KY 41011-3502
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2024 · Amount on Record
Deed Sale	Aug 28, 2024 · Amount on Record
Prior Sale	Nov 2, 2023 · Amount on Record
Deed Document Number	2024166
Deed Book / Page	302 / 426
Prior Transfer Date	Jul 26, 2023
Prior Transfer Doc	0000000256
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2023
Property Address	1234 GARRARD ST, COVINGTON, KY 41011-3502
Document Number	0005900163
Book / Page	KC 255 / 418
Instrument Date	Oct 30, 2023
Instrument	23110205900163
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	360 AMERICAN TITLE SERVICES

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	2610 KING ST APT 1, 1, COLORADO SPRINGS, CO 80904-2555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2335 BUTTERMILK XING, CRESCENT SPRINGS, KY 41017-1622

Mortgage

Document Number	0005900058
Date	Nov 8, 2023
Book Page	KCM 505/546
Instrument	23110805900058

Lender

Name	DUCKT0DD LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	4 Months
Due	Mar 14, 2024

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		$127,200 (+69.6%) Land $10,000 Building $117,200	$127,200 (+69.6%) Land $10,000 Building $117,200
2025	$993.00 (+25.38%)	$75,000 (+26.05%) Land $5,000 Building $70,000	$75,000 (+26.05%) Land $5,000 Building $70,000
2023	$792.00 (+216.8%)	$59,500 (-) Land $5,000 Building $54,500	$59,500 (-) Land $5,000 Building $54,500
2022	$250.00 Disabled Person's exemption	$59,500 Land $5,000 Building $54,500	$59,500 Land $5,000 Building $54,500

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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