1714 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1714 Garrard St, Covington, KY 41014

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,912 sqft
Lot Size	0.057 acres (2,500 sqft)
Owner	Company Name on Record
Last Sale	$70,500 (Apr 2023)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-31-10-004.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-10-004.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,912 sqft Finished Area
Gross Area	2,195 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1714 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1431
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	25'X100' ES GARRARD 150' 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

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	3841 MOUNT CARMEL RD, CINCINNATI, OH 45244-1619
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage RCN CAPITAL LLC
Apr 13, 2023	Warranty Deed, Transfer
Jan 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	2023163
Deed Book / Page	222 / 32
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1714 GARRARD ST, COVINGTON, KY 41014-1431
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 MOUNT CARMEL RD, CINCINNATI, OH 45244-1619

Mortgage

Document Number	0005900198
Date	Jul 19, 2023
Book Page	KCM 477/13
Instrument	23071905900198

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2024

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 13, 2023
Property Address	1714 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0005900163
Book / Page	KC 222 / 32
Instrument Date	Mar 30, 2023
Instrument	23041305900163
Transaction Type	Transfer
Record Updated	May 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6061 S WILLOW DR, GREENWOOD VILLAGE, CO 80111-5140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 MOUNT CARMEL RD, CINCINNATI, OH 45244-1619

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2018
Property Address	1714 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0000000227
Book / Page	0C6328 / 000054
Instrument Date	Aug 2, 2017
Instrument	227
Transaction Type	Transfer
Record Updated	Jan 22, 2018

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 BERRYHILL RD #200 COLUMBIA SC 292106433, 200, COLUMBIA, SC 29210-6433

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		$170,000 (-) Land $10,000 Building $160,000	$170,000 (-) Land $10,000 Building $160,000
2025	$2,252.00 (+181.85%)	$170,000 (+183.33%) Land $5,000 Building $165,000	$170,000 (+183.33%) Land $5,000 Building $165,000
2023	$799.00	$60,000 Land $5,000 Building $55,000	$60,000 Land $5,000 Building $55,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

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.

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