1533 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 1533 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,980 sqft · built 1880
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,500 (Mar 2026)
Tax Bill	$1,151 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-01-022.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-01-022.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,980 sqft Finished Area
Gross Area	5,141 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	183 ft deep x 115 ft wide
Garage Area	896 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1533 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PATTON SEC 5 LOTS 182 THRU 185 & S 35' LOTS 181-186
Legal Subdivision	PATTON
Legal Phase	865
Legal Lot Number	85,181
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 June 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1533 GARRARD ST, COVINGTON, KY 41011-3436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS FSLA
Aug 23, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS FSLA
Mar 6, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Deed Document Number	20264610
Deed Book / Page	396 / 611
Prior Transfer Date	May 24, 2013
Prior Transfer Doc	0000000116
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1533 GARRARD ST, COVINGTON, KY 41011-3436
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900349
Date	Aug 10, 2021
Book Page	254/284
Instrument	21081005900349

Lender

Name	CITIZENS FSLA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 12, 2031

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1533 GARRARD ST, COVINGTON, KY 41011-3436
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900020
Date	Aug 23, 2024
Book Page	KCM 576/799
Instrument	24082305900020

Lender

Name	CITIZENS FSLA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 6, 2026
Property Address	1533 GARRARD ST, COVINGTON, KY 41011-3436
Document Number	0000004610
Book / Page	396 / 611
Map Reference	MB C5 PG 15
Instrument Date	Mar 6, 2026
Instrument	26059000004610
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 ELM ST, LUDLOW, KY 41016-1427

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1533 GARRARD ST, COVINGTON, KY 41011-3436

Mortgage

Document Number	0000004611
Date	Mar 6, 2026
Instrument	26059000004611

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

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
2025	$1,151.00 (-36.44%) Homeowner's exemption	$136,000 (-) Land $5,000 Building $131,000	$136,000 (-) Land $5,000 Building $131,000
2023	$1,811.00	$136,000 Land $5,000 Building $131,000	$136,000 Land $5,000 Building $131,000

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.

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