1611 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1611 Garrard St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,824 sqft · built 1890
Lot Size	0.055 acres (2,375 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (Oct 2026)
Tax Bill	$496 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-02-007.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-02-007.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,824 sqft Finished Area
Gross Area	2,162 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,375 sqft (0.055 acres)
Lot Dimensions	95 ft deep x 25 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1611 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1327
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	25'X95' WS GARRARD 100' N 17TH
Legal Subdivision	SOUTHGATE RICHARD
Legal Phase	9
Legal Block	9
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	60900

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	Company Name on Record
Mailing Address	PO BOX 17808, COVINGTON, KY 41017-0808
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage KIAVI FUNDING INC
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST
Oct 7, 2019	Warranty Deed, Transfer · Line of Credit FRED & CRYSTAL K KEITH
Sep 17, 2019	Grant Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Sep 17, 2019	Trustee's Deed, Foreclosure 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	2026100122344
Deed Book / Page	505 / 607
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 1, 2026
Property Address	1611 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0000022344
Book / Page	505 / 607
Instrument Date	Sep 30, 2026
Instrument	2026100122344
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$17,675.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000022345,
Date	Oct 1, 2026
Instrument	2026100122345

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1611 GARRARD ST, COVINGTON, KY 41014-1327
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8723 HERITAGE DR, FLORENCE, KY 41042-9561

Mortgage

Document Number	0005900034
Date	Jul 14, 2021
Book Page	241/746
Instrument	21071405900034

Lender

Name	STOCK YARDS BANK & TRUST
Type	Non-Lending Institution
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 6, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 7, 2019
Property Address	1611 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0000000310
Book / Page	0C6772 / 000027
Instrument Date	Sep 26, 2019
Instrument	310
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 833 FLORENCE KY 410220833, FLORENCE, KY 41022-0833

Mortgage

Document Number	24
Date	Oct 7, 2019
Book Page	0C6776/000251
Instrument	24

Lender

Name	FRED & CRYSTAL K KEITH
Address	715 BAKEWELL ST, COVINGTON, KY 41011-1227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Oct 6, 2026

Interest

Rate Type	Adjustable Rate

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 17, 2019
Property Address	1611 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0000000197
Book / Page	0C6755 / 000120
Instrument Date	Sep 10, 2019
Instrument	197
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$27.20
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2335 BUTTERMILK XING #159 CRESCENT SPRINGS KY 410171622, 159, CRESCENT SPRINGS, KY 41017-1622

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Sep 17, 2019
Property Address	1611 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0000000195
Book / Page	0C6755 / 000113
Instrument Date	Jul 8, 2019
Instrument	195
Transaction Type	Foreclosure
Record Updated	Sep 27, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$34.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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		$100,000 (+166.67%) Land $10,000 Building $90,000	$100,000 (+166.67%) Land $10,000 Building $90,000
2025	$496.00 (-0.6%)	$37,500 (-) Land $5,000 Building $32,500	$37,500 (-) Land $5,000 Building $32,500
2023	$499.00	$37,500 Land $5,000 Building $32,500	$37,500 Land $5,000 Building $32,500

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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