1338 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1338 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,074 sqft
Lot Size	0.086 acres (3,750 sqft)
Owner	Company Name on Record
Last Sale	$85,000 (Jun 2026)
Tax Bill	$530 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Apr 2024 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-03-052.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-03-052.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,074 sqft Finished Area
Gross Area	1,755 sqft

Exterior

Exterior Material	Brick
Foundation Type	Concrete
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	125 ft deep x 30 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1338 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30'X 125' ES GARRARD 150' N BYRD
Legal Subdivision	POWELL & CO
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
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	5751 RIVERDALE RD, 250, ATLANTA, GA 30349-6861
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Construction Mortgage NONE LISTED ON DOCUMENT
Apr 15, 2024	Warranty Deed, Transfer · Line of Credit BOBTODD LLC
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit TAMILA J CHAPMAN IRA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Apr 15, 2024 · Amount on Record
Deed Document Number	202613390
Deed Book / Page	452 / 292
Prior Transfer Date	Jan 7, 2005
Prior Transfer Doc	0005900179
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 29, 2026
Property Address	1338 GARRARD ST, COVINGTON, KY 41011-3540
Document Number	0000013390
Book / Page	452 / 292
Instrument Date	Jun 11, 2026
Instrument	202613390
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$8,585.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000013391,
Date	Jun 29, 2026
Instrument	2026062913391

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 22, 2026

Interest

Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2024
Property Address	1338 GARRARD ST, COVINGTON, KY 41011-3540
Document Number	0005900067
Book / Page	KC279 / 419
Instrument Date	Apr 12, 2024
Instrument	24041505900067
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1930 BULLOCK PEN RD, COVINGTON, KY 41017-8163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1727 E GALBRAITH RD, CINCINNATI, OH 45215-5613

Mortgage

Document Number	0005900079
Date	Apr 15, 2024
Instrument	24041505900079

Lender

Name	BOBTODD LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Oct 12, 2024

Mortgage

Document Number	0005900079
Date	Apr 15, 2024
Book Page	KCM540/532
Instrument	24041505900079

Lender

Name	BOBTODD LLC
Type	Non-Lending Institution
Address	1727 E GALBRAITH RD, CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Oct 12, 2024

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1338 GARRARD ST, COVINGTON, KY 41011-3540
Document Number	0000000153
Book / Page	6305 / 000316
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1930 BULLOCK PEN RD COVINGTON KY 410178163, COVINGTON, KY 41017-8163

Mortgage

Document Number	0000000153
Date	Dec 1, 2017
Book Page	0C6305/000316
Instrument	153

Lender

Name	TAMILA J CHAPMAN IRA
Address	17171 PARK ROW # 100, HOUSTON, TX 77084-4935

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$133,800 (+234.5%) Land $10,000 Building $123,800	$133,800 (+234.5%) Land $10,000 Building $123,800
2025	$530.00 (-0.38%)	$40,000 (-) Land $5,000 Building $35,000	$40,000 (-) Land $5,000 Building $35,000
2023	$532.00	$40,000 Land $5,000 Building $35,000	$40,000 Land $5,000 Building $35,000

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

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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