1517 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1517 Garrard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$394,000 (Feb 2025)
Tax Bill	$5,035 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-01-016.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-01-016.00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	4 Units
Stories	2 Stories

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1517 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-4452
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PATTON SEC 5 PT LOTS 175-176-191-192 30' WS GARRARD 3 FT S PATTON LINE
Legal Subdivision	PATTON
Legal Phase	925
Legal Lot Number	175,76
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1000
Census Tract	60900

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	Individual Name on Record
Mailing Address	537 HARDING RD, ZANESVILLE, OH 43701-1707
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit FOURLEAF FCU
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 31, 2022	Warranty Deed, Transfer MILLENNIAL TITLE LLC
Aug 2, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2025 · Amount on Record
Deed Sale	Feb 12, 2025 · Amount on Record
Prior Sale	Aug 28, 2023 · Amount on Record
Deed Document Number	2025141
Deed Book / Page	329 / 47
Prior Transfer Date	Feb 22, 2012
Prior Transfer Doc	0005900146
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1517 GARRARD ST, COVINGTON, KY 41011-4452
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 GARRARD ST, COVINGTON, KY 41011-4452

Mortgage

Document Number	0005900183
Date	Dec 10, 2025
Book Page	KCM 715/816
Instrument	25121005900183

Lender

Name	FOURLEAF FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 28, 2023
Property Address	1517 GARRARD ST, COVINGTON, KY 41011-4452
Document Number	0005900228
Book / Page	KC 243 / 593
Instrument Date	Aug 24, 2023
Instrument	23082805900228
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3300 BEREDITH PL, CINCINNATI, OH 45213-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 GARRARD ST, COVINGTON, KY 41011-4452

Mortgage

Document Number	0005900229
Date	Aug 28, 2023
Book Page	KCM 487/387
Instrument	23082805900229

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 31, 2022
Property Address	1517 GARRARD ST, COVINGTON, KY 41011-4452
Document Number	0005900148
Book / Page	KC 197 / 830
Instrument Date	Oct 26, 2022
Instrument	22103105900148
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	MILLENNIAL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6209 BURNHAM PL, 6209, PROSPECT, KY 40059-8887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5963 LESTER RD, CINCINNATI, OH 45213-1607

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 2, 2021
Property Address	1517 GARRARD ST, COVINGTON, KY 41011-4452
Document Number	0005900036
Book / Page	107 / 959
Instrument Date	Jul 16, 2021
Instrument	21080205900036
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 LOCKWOOD ST, 342, COVINGTON, KY 41011-1353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6209 BURNHAM PL, PROSPECT, KY 40059-8887

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		$394,000 (+3.68%) Land $10,000 Building $384,000	$394,000 (+3.68%) Land $10,000 Building $384,000
2025	$5,035.00 (+372.77%)	$380,000 (+375%) Land $10,000 Building $370,000	$380,000 (+375%) Land $10,000 Building $370,000
2023	$1,065.00 (+20.34%)	$80,000 (+19.4%) Land $10,000 Building $70,000	$80,000 (+19.4%) Land $10,000 Building $70,000
2022	$885.00	$67,000 Land $10,000 Building $57,000	$67,000 Land $10,000 Building $57,000

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

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.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures