1703 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1703 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,598 sqft
Lot Size	0.06 acres (2,625 sqft)
Owner	Company Name on Record
Last Sale	$20,001 (Mar 2018)
Tax Bill	$1,865 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-01-008.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-01-008.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,598 sqft Finished Area

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,625 sqft (0.06 acres)
Lot Dimensions	105 ft deep x 25 ft wide
Garage Area	273 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1703 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X105' WS GARRARD 25'S OF E 17TH E.L. SOUTHGATE DIV LOTS 19 20 21
Legal Subdivision	SOUTHGATE RICHARD
Legal Phase	17
Legal Lot Number	20,21
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1016
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	1703 GARRARD ST, COVINGTON, KY 41014-1430
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Apr 12, 2023	Intrafamily Transfer, Transfer
Dec 10, 2019	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Jun 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 5, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2018 · Amount on Record
Deed Sale	Mar 5, 2018 · Amount on Record
Deed Document Number	201803 05 059 00144
Deed Book / Page	6365 / 77
Last Transfer Date	Mar 7, 2023
Transfer Doc	0005900362
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900149
Date	Apr 18, 2023
Book Page	KCM 454/782
Instrument	23041805900149

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	CHARLESTON, WV 25301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Apr 12, 2023
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0005900362
Book / Page	KC 221 / 824
Instrument Date	Apr 5, 2023
Instrument	23041205900362
Transaction Type	Transfer
Record Updated	May 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1703 GARRARD ST, COVINGTON, KY 41014-1430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 GARRARD ST, COVINGTON, KY 41014-1430

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 10, 2019
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000185
Book / Page	0C6823 / 000294
Instrument Date	Dec 2, 2019
Instrument	185
Transaction Type	Transfer
Record Updated	Dec 26, 2019
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.00
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	1703 GARRARD ST COVINGTON KY 410141430, COVINGTON, KY 41014-1430

Mortgage

Document Number	187
Date	Dec 10, 2019
Book Page	0C6823/000299
Instrument	187

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000222
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1703 GARRARD ST COVINGTON KY 410141430, COVINGTON, KY 41014-1430

Mortgage

Document Number	0000000222
Date	Dec 30, 2019
Book Page	0C6843/000112
Instrument	222

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	20 W PIKE ST, COVINGTON, KY 41011-2711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 29, 2024

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 7, 2019
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000160
Book / Page	0C6676 / 000187
Instrument Date	May 23, 2019
Instrument	160
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$10.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3519 GLENN AVE COVINGTON KY 410151505, COVINGTON, KY 41015-1505

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Mar 5, 2018
Property Address	1703 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000144
Book / Page	0C6365 / 000077
Instrument Date	Nov 13, 2017
Instrument	144
Transaction Type	Foreclosure
Record Updated	Mar 22, 2018

Transaction

Amount	Amount Recorded
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 WYSTERIA VILLAGE DR FLORENCE KY 410424582, FLORENCE, KY 41042-4582

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		$155,600 (+10.51%) Land $10,000 Building $145,600	$155,600 (+10.51%) Land $10,000 Building $145,600
2025	$1,865.00 (-0.53%)	$140,800 (-) Land $5,000 Building $135,800	$140,800 (-) Land $5,000 Building $135,800
2023	$1,875.00	$140,800 Land $5,000 Building $135,800	$140,800 Land $5,000 Building $135,800

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

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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