1713 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1713 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1903
Lot Size	0.06 acres (2,625 sqft)
Owner	Company Name on Record
Last Sale	$140,000 (Jan 2026)
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-01-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-01-013.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Finished Area
Gross Area	1,352 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Lot Area	2,625 sqft (0.06 acres)
Lot Dimensions	105 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1713 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X105' WS GARRARD 150' 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	3385 CREEK RD, CINCINNATI, OH 45241-1932
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Jan 8, 2026	Special Warranty Deed, Transfer · Line of Credit EASTSTREET HOLDINGS LLC
Mar 23, 2021	Warranty Deed, Transfer TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES
Apr 11, 2019	Deed of Trust, Mortgage FORCHT BK NA
Dec 10, 2018	Grant Deed, Mortgage FORCHT BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2026 · Amount on Record
Deed Sale	Jan 8, 2026 · Amount on Record
Prior Sale	Apr 17, 1998 · Amount on Record
Deed Document Number	2026236
Deed Book / Page	383 / 856
Prior Transfer Date	Oct 2, 2014
Prior Transfer Doc	0005900014
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 13, 2026
Property Address	1713 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000014398
Book / Page	458 / 117
Instrument Date	Jun 30, 2026
Instrument	202614398
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3546 LOBELIA DR, BLUE ASH, OH 45241-3333

Mortgage

Document Number	0000014398,
Date	Jul 13, 2026
Book Page	458/117
Instrument	202614398

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 8, 2026
Property Address	1713 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000236
Book / Page	KC 383 / 856
Instrument Date	Dec 17, 2025
Instrument	26059000000236
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES LLC

Transaction

Tax	$140.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1999 BRYAN ST # 1300, 1300, DALLAS, TX 75201-3136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3385 CREEK RD, CINCINNATI, OH 45241-1932

Mortgage

Document Number	0000004110
Date	Jan 8, 2026
Instrument	26059000004110

Lender

Name	EASTSTREET HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	7 Months
Due	Aug 19, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 23, 2021
Property Address	1713 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0005900326
Book / Page	79 / 592
Instrument Date	Mar 16, 2021
Instrument	21032305900326
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1650 RUSSELL ST, 1650, COVINGTON, KY 41011-3361

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680
Investor	Possibly a Property Investor

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1713 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000010
Instrument Date	Apr 11, 2019
Transaction Type	Mortgage
Record Updated	Apr 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2404 SIR BARTON WAY LEXINGTON KY 405092267, LEXINGTON, KY 40509-2267

Mortgage

Document Number	0000000010
Date	Apr 12, 2019
Book Page	0C6638/000020
Instrument	10

Lender

Name	FORCHT BK NA
Type	Bank
Address	LEXINGTON, KY 40509

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 11, 2029

December 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 10, 2018
Property Address	1713 GARRARD ST, COVINGTON, KY 41014-1430
Book / Page	0C6559 / 000296
Instrument Date	Dec 7, 2018
Instrument	33
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1650 RUSSELL ST COVINGTON KY 410113361, COVINGTON, KY 41011-3361

Mortgage

Document Number	0000000033
Date	Dec 10, 2018
Book Page	0C6559/000296
Instrument	33

Lender

Name	FORCHT BK NA
Type	Bank
Address	2404 SIR BARTON WAY, LEXINGTON, KY 40509-2267

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 9, 2028

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		$140,000 (+47.37%) Land $10,000 Building $130,000	$140,000 (+47.37%) Land $10,000 Building $130,000
2025	$1,258.00 (-0.55%)	$95,000 (-) Land $7,000 Building $88,000	$95,000 (-) Land $7,000 Building $88,000
2023	$1,265.00	$95,000 Land $7,000 Building $88,000	$95,000 Land $7,000 Building $88,000

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

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 1,077 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures