1502 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1502 Garrard St, Covington, KY 41011

Property Summary

Property Type	Parking Lot
Details	2,104 sqft
Lot Size	0.099 acres (4,352 sqft)
Owner	Company Name on Record
Last Sale	$1,340,000 (Oct 2018)
Tax Bill	$366 (2023)
Deeds & Mortgages	Nov 2020 Sale & Line of Credit Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-07-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-07-001.00`

Interior

Building Area	2,104 sqft

Exterior

Lot Area	4,352 sqft (0.099 acres)
Lot Dimensions	136 ft deep x 32 ft wide

Location & Zoning

Old Parcel Number	0553107001.00
Street Address	1502 GARRARD ST
City	COVINGTON
State	KY
Zip	41011
Property Category	Commercial
Property Type	Commercial > Retail > Parking Lot
Legal Description	32X136FT SEC 15TH & GARRARD STS
Legal Subdivision	R PATTONS SUB
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	61000

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 January 4, 2024

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

Owner of Record	Company Name on Record
Mailing Address	315 E 15TH ST STE A, A, COVINGTON, KY 41011-3573
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Grant Deed, Construction Loan · Line of Credit WESBANCO BK
Nov 13, 2020	Deed of Trust, Construction Loan · Line of Credit WESBANCO BK
Jul 8, 2019	Trustee's Deed, Construction Loan · Line of Credit REPUBLIC BK&TR
Oct 4, 2018	Trustee's Deed, Transfer · Line of Credit REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	0000000273
Deed Book / Page	0C6517 / 000208
Last Transfer Date	Nov 13, 2020
Transfer Doc	0000000232
Record Updated	Jun 7, 2026

November 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2020
Property Address	1502 GARRARD ST, COVINGTON, KY 41011
Document Number	0000000031
Book / Page	000055 / 000183
Instrument Date	Nov 13, 2020
Instrument	31
Transaction Type	Construction Loan
Record Updated	Dec 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4489 MARY INGLES HWY HIGHLAND HEIGHTS KY 410768623, HIGHLAND HEIGHTS, KY 41076-8623
Investor	Possibly a Property Investor

Mortgage

Document Number	234
Date	Nov 13, 2020
Book Page	00M126/000414
Instrument	234

Lender

Name	WESBANCO BK
Type	Bank
Address	103 CHURCHILL DR, NEWPORT, KY 41071-2506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 12, 2021

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2020
Property Address	1502 GARRARD ST, COVINGTON, KY 41011
Document Number	0000000232
Book / Page	00M126 / 000413
Instrument Date	Nov 12, 2020
Instrument	232
Transaction Type	Construction Loan
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4489 MARY INGLES HWY HIGHLAND HEIGHTS KY 410768623, HIGHLAND HEIGHTS, KY 41076-8623

Mortgage

Document Number	0000000232
Date	Nov 13, 2020
Book Page	00M126/000413
Instrument	232

Lender

Name	WESBANCO BK
Type	Bank
Address	103 CHURCHILL DR, NEWPORT, KY 41071-2506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 12, 2030

Interest

Rate Type	Adjustable Rate

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Jul 8, 2019
Property Address	1502 GARRARD ST, COVINGTON, KY 41011
Book / Page	0C6698 / 000144
Instrument Date	Jun 20, 2019
Instrument	141
Transaction Type	Construction Loan
Record Updated	Jul 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 BEACON DR WILDER KY 410762512, WILDER, KY 41076-2512

Mortgage

Document Number	0000000141
Date	Jul 8, 2019
Book Page	0C6698/000144
Instrument	141

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 7, 2020

Interest

Rate Type	Adjustable Rate

October 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2018
Property Address	1502 GARRARD ST, COVINGTON, KY 41011
Document Number	0000000273
Book / Page	0C6517 / 000208
Instrument Date	Oct 3, 2018
Instrument	273
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 BEACON DR WILDER KY 410762512, WILDER, KY 41076-2512

Mortgage

Document Number	274
Date	Oct 4, 2018
Book Page	0C6517/000217
Instrument	274

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	601 W MARKET ST, LOUISVILLE, KY 40202-2745

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2023

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
2023	$366.00	$27,500 Land $23,500 Building $4,000	$27,500 Land $23,500 Building $4,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	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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