124 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 124 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 9,514 sqft · built 1901
Lot Size	0.305 acres (13,268 sqft)
Owner	Trust Name on File
Last Sale	$2,945,600 (Jan 2011)
Tax Bill	$28,499 (2025)
Deeds & Mortgages	Feb 2018 Transfer Feb 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`054-14-15-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-15-008.00`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	27 Rooms
Stories	3 Stories
Building Area	9,514 sqft Finished Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Brick
Roof Material	Galvanized Metal
Lot Area	13,268 sqft (0.305 acres)
Lot Dimensions	115 ft deep x 107 ft wide
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Street Address	124 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 LOTS 58-59-60 107.5'X 115' IRREG NEC 2ND & GARRARD
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	58,59
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 assessment roll, 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	Trust Name on File
Mailing Address	124 GARRARD ST, COVINGTON, KY 41011-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 6, 2017	Deed of Trust, Mortgage GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2011 · Amount on Record
Deed Sale	Jan 31, 2011 · Amount on Record
Prior Sale	May 23, 2002 · Amount on Record
Deed Document Number	201101 31 059 00227
Deed Book / Page	4508 / 27
Last Transfer Date	Jan 31, 2018
Transfer Doc	0000000108
Record Updated	Jun 8, 2026

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 20, 2018
Property Address	124 GARRARD ST, COVINGTON, KY 41011-1714
Document Number	0000000108
Book / Page	0C6356 / 000344
Instrument Date	Jan 31, 2018
Instrument	108
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	124 GARRARD ST COVINGTON KY 410111714, COVINGTON, KY 41011-1714

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	124 GARRARD ST, COVINGTON, KY 41011-1714
Document Number	0000000135
Book / Page	0C6117 / 000044
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	NORTHWEST TITLE COMPANY, NORTHWEST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 GARRARD ST COVINGTON KY 410111714, COVINGTON, KY 41011-1714

Mortgage

Document Number	0000000135
Date	Mar 16, 2017
Book Page	0C6117/000044
Instrument	135

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

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	$28,499.00 (-0.65%) Homeowner's exemption	$2,200,000 (-) Land $150,000 Building $2,050,000	$2,200,000 (-) Land $150,000 Building $2,050,000
2023	$28,685.00 Homeowner's exemption	$2,200,000 Land $150,000 Building $2,050,000	$2,200,000 Land $150,000 Building $2,050,000

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

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)
Cincinnati Bell 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 USA Fixed Wireless	100 / 20

May also be available: AT&T.

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