1717 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1717 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,494 sqft · built 1900
Lot Size	0.06 acres (2,625 sqft)
Owner	Individual Name on Record
Last Sale	$1,026 (Jul 2023)
Tax Bill	$596 (2025)
Deeds & Mortgages	Apr 2021 Sale Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-32-01-015.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-01-015.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,494 sqft Finished Area
Gross Area	1,539 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
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	1717 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X105' WS GARRARD 171' N 18TH 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	Individual Name on Record
Mailing Address	1717 GARRARD ST, COVINGTON, KY 41014-1430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Quit Claim Deed, Transfer RIVERTOWNE TITLE LLC
Oct 3, 2019	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on Record
Deed Sale	Jul 25, 2023 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2023288
Deed Book / Page	237 / 571
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 23, 2021
Property Address	1717 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0005900311
Book / Page	86 / 366
Instrument Date	Mar 26, 2021
Instrument	21042305900311
Transaction Type	Transfer
Record Updated	May 18, 2021
Title Company	RIVERTOWNE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3166 BROOKWOOD DR, 3166, EDGEWOOD, KY 41017-3207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 GARRARD ST, COVINGTON, KY 41014-1430

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1717 GARRARD ST, COVINGTON, KY 41014-1430
Document Number	0000000232
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1717 GARRARD ST COVINGTON KY 410141430, COVINGTON, KY 41014-1430

Mortgage

Document Number	0000000232
Date	Oct 10, 2019
Book Page	0C6775/000079
Instrument	232

Lender

Name	BRANCH BK&TR
Type	Bank
Address	CRESTVIEW HILLS, KY 41017-4712

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Oct 9, 2026

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		$135,700 (+201.56%) Land $10,000 Building $125,700	$135,700 (+201.56%) Land $10,000 Building $125,700
2025	$596.00 (-0.5%)	$45,000 (-) Land $5,000 Building $40,000	$45,000 (-) Land $5,000 Building $40,000
2023	$599.00	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000

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.

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