1324 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1324 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft
Lot Size	0.078 acres (3,420 sqft)
Owner	Individual Name on File
Tax Bill	$795 (2025)
Flood Zone	Zone X (minimal risk)
APN	`055-31-03-057.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-03-057.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,152 sqft Finished Area
Gross Area	1,260 sqft

Exterior

Exterior Material	Brick
Foundation Type	Concrete
Lot Area	3,420 sqft (0.078 acres)
Lot Dimensions	95 ft deep x 36 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0553103057.00
Street Address	1324 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLAYTON & MOOAR PT LOTS 47-48-49-50 36'X 95' ES GARRARD 25' S PLEASANT
Legal Subdivision	CLAYTON & MOOAR
Legal Phase	50
Legal Lot Number	47,48
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	67100

Owner

Source: Kenton County records · APN 055-31-03-057.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1324 GARRARD ST, COVINGTON, KY 41011-3540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 03, 2002
Deed Sale	Jun 03, 2002
Deed Document Number	0001074205
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$795.00 (-0.5%)	$60,000 (-) Land $5,000 Building $55,000	$60,000 (-) Land $5,000 Building $55,000
2023	$799.00	$60,000 Land $5,000 Building $55,000	$60,000 Land $5,000 Building $55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 794 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.