Kenton County property record for 1708 Garrard St, Covington, KY 41014 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,952 sqft · built 1910 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,000 (Dec 2018) |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-31-10-007.00 |
| Primary APN | 055-31-10-007.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,952 sqft Finished Area |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0553110007.00 |
|---|---|
| Street Address | 1708 GARRARD ST |
| City | COVINGTON |
| State | KY |
| Zip | 41014-1431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 25'X100' ES GARRARD 75' S 17TH W.W. SOUTHGATE DIV LOTS 1 THRU 5 |
| Legal Subdivision | SOUTHGATE RICHARD |
| Legal Phase | 16 |
| Legal Lot Number | 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 61000 |
Source: Kenton County records · APN 055-31-10-007.00
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 E 3RD ST, COVINGTON, KY 41011-1709 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Dec 04, 2018 | Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2018 · Amount on Record |
| Deed Sale | Dec 04, 2018 · Amount on Record |
| Prior Sale | Apr 30, 2013 · Amount on Record |
| Deed Document Number | 0006556342 |
| Deed Book / Page | 6556 / 342 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1708 GARRARD ST, COVINGTON, KY 41014-1431 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900202 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 360/41 |
| Instrument | 22041205900202 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 04, 2018 |
| Property Address | 1708 GARRARD ST, COVINGTON, KY 41014-1431 |
| Document Number | 0000000194 |
| Book / Page | 0C6556 / 000342 |
| Instrument Date | Dec 03, 2018 |
| Instrument | 194 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 311 E 3RD ST COVINGTON KY 410111709, COVINGTON, KY 41011-1709 |
| Document Number | 196 |
|---|---|
| Date | Dec 04, 2018 |
| Book Page | 0C6557/000001 |
| Instrument | 196 |
| Name | COMMONWEALTH BK |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 03, 2048 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,309.00 (-0.53%) | $98,800 (-) Land $5,000 Building $93,800 | $98,800 (-) Land $5,000 Building $93,800 |
| 2023 | $1,316.00 | $98,800 Land $5,000 Building $93,800 | $98,800 Land $5,000 Building $93,800 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170610002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1,077 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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