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1602 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1602 Garrard St, Covington, KY 41014 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Square Footage1,640 sqft Finished Area
Lot Size2,250 sqft (0.051 acres)
GarageDetached
OccupancyOwner Occupied
Last Sale$217,500 (2022)
Tax Bill$2,881.00 (2025)

Property Details

APN / Parcel Number

Primary APN055-31-09-001.00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area1,640 sqft Finished Area
Gross Area2,160 sqft Gross Area
Stories2 Stories

Exterior

Exterior MaterialBrick Exterior
Foundation TypeStone Foundation
Roof MaterialSlate Roof
Lot Area2,250 sqft (0.051 acres)
Depth X Width90 ft x 25 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeDetached Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number0553109001.00
Street Address1602 GARRARD ST
CityCOVINGTON
StateKY
Zip41014-1328
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description25X90FT SEC 16TH & GARRARD
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2011
Census Tract61000

Owner

Source: Kenton County records · APN 055-31-09-001.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address1602 GARRARD ST, COVINGTON, KY 41014-1328
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 23, 2023Deed of Trust, Mortgage · Line of Credit
THE HUNTINGTON NATIONAL BANK
Jul 08, 2022Deed, Transfer · Conventional Mortgage
AMERICAN MORTGAGE SERVICE CO
Dec 02, 2020Warranty Deed, Transfer · Conventional Mortgage
CHURCHILL MTG
Jun 16, 2020Grant Deed, Construction Loan · Building or Construction Mortgage
HERITAGE BK
May 11, 2020One of Committee, Strict Foreclosure, Sheriff, or Redemption Deeds, Foreclosure
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 08, 2022 · Amount on Record
Deed SaleJul 08, 2022 · Amount on Record
Prior SaleDec 02, 2020 · Amount on Record
Deed Doc Number0000175972
Deed Book / Page175 / 972
Record RefreshedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1602 GARRARD ST, COVINGTON, KY 41014-1328
Transaction TypeMortgage
Record UpdatedSep 07, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1602 GARRARD ST, COVINGTON, KY 41014-1328

Mortgage

Document Number0005900170
DateAug 23, 2023
Book PageKCM 486/524
Instrument23082305900170
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43231
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 11, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2022: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateJul 08, 2022
Property Address1602 GARRARD ST, COVINGTON, KY 41014-1328
Document Number0005900246
Book / Page175 / 972
Instrument DateJul 05, 2022
Instrument22070805900246
Transaction TypeTransfer
Record UpdatedJul 20, 2022
Title CompanyKENTUCKY LAND TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$217.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1602 GARRARD ST, 1602, COVINGTON, KY 41014-1328

Transferred To (Grantee/Buyer)

NameVerified Name
Address1602 GARRARD ST, COVINGTON, KY 41014-1328

Mortgage

Document Number0005900247
DateJul 08, 2022
Book Page387/63
Instrument22070805900247
Lender
NameAMERICAN MORTGAGE SERVICE CO
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 02, 2020
Property Address1602 GARRARD ST, COVINGTON, KY 41014-1328
Document Number0000000201
Book / Page000058 / 000804
Instrument DateNov 25, 2020
Instrument201
Transaction TypeTransfer
Record UpdatedJan 05, 2021
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$170.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1602 GARRARD ST COVINGTON KY 410141328, COVINGTON, KY 41014-1328

Mortgage

Document Number202
DateDec 02, 2020
Book Page00M134/000446
Instrument202
Lender
NameCHURCHILL MTG
TypeMortgage Company
AddressBRENTWOOD, TN 37027
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term300 Months
DueDec 01, 2045

June 2020: Grant Deed, Construction Loan

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJun 16, 2020
Property Address1602 GARRARD ST, COVINGTON, KY 41014-1328
Document Number0000000215
Book / Page000026 / 000533
Instrument DateJun 12, 2020
Instrument215
Transaction TypeConstruction Loan
Record UpdatedJul 20, 2020
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

AmountAmount Recorded
Tax$54.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address566 SAVANNAH DR WALTON KY 410947430, WALTON, KY 41094-7430

Mortgage

Document Number216
DateJun 16, 2020
Book Page000M58/000037
Instrument216
Lender
NameHERITAGE BK
TypeBank
AddressUNION, KY 41091
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term180 Months
DueJun 15, 2035

May 2020: One of Committee, Strict Foreclosure, Sheriff, or Redemption Deeds, Foreclosure

Document TypeOne of Committee, Strict Foreclosure, Sheriff, or Redemption Deeds
JurisdictionKENTON KY
Recording DateMay 11, 2020
Property Address1602 GARRARD ST, COVINGTON, KY 41014-1328
Document Number0000000179
Book / Page000020 / 000728
Instrument DateFeb 10, 2020
Instrument179
Transaction TypeForeclosure
Record UpdatedJul 03, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$38.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 176476 COVINGTON KY 410176476, COVINGTON, KY 41017-6476

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,881.00 (-0.55%)$217,500 (-) Land $5,000 Building $212,500$217,500 (-) Land $5,000 Building $212,500
2023$2,897.00 (+15.19%)$217,500 (+14.23%) Land $5,000 Building $212,500$217,500 (+14.23%) Land $5,000 Building $212,500
2022$2,515.00$190,400 Land $5,000 Building $185,400$190,400 Land $5,000 Building $185,400

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