1617 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1617 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 704 sqft · built 1910
Lot Size	0.056 acres (2,419 sqft)
Owner	Individual Name on Record
Last Sale	$174,000 (May 2024)
Tax Bill	$2,305 (2025)
Deeds & Mortgages	Feb 2024 Sale & Second Mortgage Feb 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-31-02-010.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-02-010.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	704 sqft Finished Area
Gross Area	833 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Lot Area	2,419 sqft (0.056 acres)
Lot Dimensions	96 ft deep x 25.2 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1617 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25.2'X96' WS GARRARD 24.8' N 17TH
Legal Subdivision	SOUTHGATE RICHARD
Legal Phase	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 April 2, 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	1617 GARRARD ST, COVINGTON, KY 41014-1327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Warranty Deed, Transfer · Stand-Alone Second Mortgage FLIPPIN LOAN LLC
Feb 14, 2024	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	Feb 14, 2024 · Amount on Record
Deed Document Number	2024144
Deed Book / Page	287 / 68
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 14, 2024
Property Address	1617 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0005900130
Book / Page	KC 269 / 925
Instrument Date	Feb 13, 2024
Instrument	24021405900130
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
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	2570 MADISON RD APT 22, 22, CINCINNATI, OH 45208-1150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10871 ROSEBRIAR DR, UNION, KY 41091-8013

Mortgage

Document Number	0005900131
Date	Feb 14, 2024
Book Page	KCM 526/427
Instrument	24021405900131

Lender

Name	FLIPPIN LOAN LLC
Address	LOUISVILLE, KY 40232

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KENTON KY
Recording Date	Feb 14, 2024
Property Address	1617 GARRARD ST, COVINGTON, KY 41014-1327
Document Number	0005900033
Book / Page	KC 269 / 869
Instrument Date	Feb 13, 2024
Instrument	24021405900033
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2570 MADISON RD APT 22, 22, CINCINNATI, OH 45208-1150
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
2025	$2,305.00 (+284.81%)	$174,000 (+286.67%) Land $5,000 Building $169,000	$174,000 (+286.67%) Land $5,000 Building $169,000
2023	$599.00	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000

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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