1720 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1720 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 944 sqft · built 1920
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jun 2023)
Tax Bill	$2,583 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-31-10-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-10-001.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	944 sqft Finished Area

Exterior

Year Built	Built 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0553110001.00
Street Address	1720 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X100' ES GARRARD 225' 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

Owner

Source: Kenton County records · APN 055-31-10-001.00

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1720 GARRARD ST, COVINGTON, KY 41014-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 07, 2023 · Amount on Record
Deed Sale	Jun 07, 2023 · Amount on Record
Prior Sale	Mar 31, 2011 · Amount on Record
Deed Document Number	0000229855
Deed Book / Page	229 / 855
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 07, 2023
Property Address	1720 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0005900016
Book / Page	KC 229 / 855
Instrument Date	Jun 02, 2023
Instrument	23060705900016
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3063 VILLAGE DR, EDGEWOOD, KY 41017-3238

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1720 GARRARD ST, COVINGTON, KY 41014-1431

Mortgage

Document Number	0005900017
Date	Jun 07, 2023
Book Page	KCM 467/335
Instrument	23060705900017

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,583.00 (+287.84%)	$195,000 (+29%) Land $5,000 Building $190,000	$195,000 (+29%) Land $5,000 Building $190,000
2023	$666.00	$50,000 Land $5,000 Building $45,000	$50,000 Land $5,000 Building $45,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Based on FCC filings for 1,077 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.