1610 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1610 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1905
Lot Size	0.059 acres (2,565 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jan 2021)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-31-09-038.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-09-038.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,952 sqft Finished Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Galvanized Metal
Lot Area	2,565 sqft (0.059 acres)
Lot Dimensions	90 ft deep x 28.5 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1610 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 1/2X90' ES GARRARD 104' S 16TH
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
Census Tract	61000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

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	2 Individual Names on Record
Mailing Address	1610 GARRARD ST, COVINGTON, KY 41014-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Warranty Deed, Transfer · Conventional with PMI US BK
Apr 11, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2021 · Amount on Record
Deed Sale	Jan 21, 2021 · Amount on Record
Prior Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	20215900133
Deed Book / Page	67 / 633
Prior Transfer Date	Mar 27, 2015
Prior Transfer Doc	0005900012
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 21, 2021
Property Address	1610 GARRARD ST, COVINGTON, KY 41014-1328
Document Number	0000000133
Book / Page	000067 / 000633
Instrument Date	Jan 20, 2021
Instrument	133
Transaction Type	Transfer
Record Updated	Mar 12, 2021
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1610 GARRARD ST COVINGTON KY 410141328, COVINGTON, KY 41014-1328

Mortgage

Document Number	134
Date	Jan 21, 2021
Book Page	00M156/000959
Instrument	134

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2051

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2017
Property Address	1610 GARRARD ST, COVINGTON, KY 41014-1328
Document Number	0000000112
Book / Page	0C6134 / 000121
Instrument Date	Apr 10, 2017
Instrument	112
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$9.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4437 BULLITTSVILLE RD BURLINGTON KY 410057326, BURLINGTON, KY 41005-7326

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		$190,000 (-) Land $10,000 Building $180,000	$190,000 (-) Land $10,000 Building $180,000
2025	$2,517.00 (-0.51%)	$190,000 (-) Land $5,000 Building $185,000	$190,000 (-) Land $5,000 Building $185,000
2023	$2,530.00	$190,000 Land $5,000 Building $185,000	$190,000 Land $5,000 Building $185,000

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

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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