1422 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1422 Garrard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,634 sqft · built 1894
Lot Size	0.069 acres (3,024 sqft)
Owner	Company Name on File
Last Sale	$420,000 (Mar 2020)
Tax Bill	$556 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`055-31-04-018.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-04-018.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Finished Area
Gross Area	1,666 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Lot Area	3,024 sqft (0.069 acres)
Lot Dimensions	126 ft deep x 24 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1422 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3529
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	24'X 126' ES GARRARD 52' N 15TH
Legal Subdivision	POWELL & CO
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
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

1422 Garrard St, a duplex, is owned by a company that bought it in March 2020.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	56 ORPHANAGE RD, FT MITCHELL, KY 41017-3128
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer HOME SVGS BK
Mar 30, 2020	Warranty Deed, Construction Loan · Construction Mortgage MM LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2020 · Amount on File
Deed Sale	Mar 30, 2020 · Amount on File
Prior Sale	Aug 23, 1994 · Amount on File
Deed Document Number	20205900112
Deed Book / Page	14 / 800
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2020
Property Address	1422 GARRARD ST, COVINGTON, KY 41011-3529
Document Number	0000000065
Book / Page	000038 / 000279
Instrument Date	Aug 19, 2020
Instrument	65
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1422 GARRARD ST COVINGTON KY 410113529, COVINGTON, KY 41011-3529

Mortgage

Document Number	66
Date	Aug 20, 2020
Book Page	000M85/000747
Instrument	66

Lender

Name	HOME SVGS BK
Type	Federal Savings Bank
Address	LUDLOW, KY 41016

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 19, 2040

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 30, 2020
Property Address	1422 GARRARD ST, COVINGTON, KY 41011-3529
Document Number	0000000112
Book / Page	000014 / 000800
Instrument Date	Mar 24, 2020
Instrument	112
Transaction Type	Construction Loan
Record Updated	Jun 1, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$42.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 ORPHANAGE RD FORT MITCHELL KY 410173128, FORT MITCHELL, KY 41017-3128

Mortgage

Document Number	113
Date	Mar 30, 2020
Book Page	000M26/000278
Instrument	113

Lender

Name	MM LNDG LLC
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 29, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 1422 Garrard St was $556.

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		$120,000 (+185.71%) Land $10,000 Building $110,000	$120,000 (+185.71%) Land $10,000 Building $110,000
2025	$556.00	$42,000 Land $5,000 Building $37,000	$42,000 Land $5,000 Building $37,000
2023	$559.00	$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

FEMA maps place 1422 Garrard St in Zone X, an area of minimal flood risk.

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

The area around 1422 Garrard St has no burnable land within ember reach, so its wildfire risk is not rated.

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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