1728 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1728 Garrard St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,134 sqft
Lot Size	0.071 acres (3,100 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2025)
Tax Bill	$2,232 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-32-09-020.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-09-020.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,134 sqft Finished Area
Gross Area	1,295 sqft

Exterior

Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,100 sqft (0.071 acres)
Lot Dimensions	100 ft deep x 31 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0553209020.00
Street Address	1728 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31'X100' ES GARRARD 35' N OF E 18TH 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 November 27, 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 Record
Mailing Address	1728 GARRARD ST, COVINGTON, KY 41014-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2025	Special Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Sep 11, 2020	Grant Deed, Transfer SOJOURNERS TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2025 · Amount on Record
Deed Sale	Aug 18, 2025 · Amount on Record
Prior Sale	Nov 14, 2024 · Amount on Record
Deed Document Number	25081805900036
Deed Book / Page	KC 358 / 486
Record Updated	Jun 8, 2026

August 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2025
Property Address	1728 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0005900036
Book / Page	KC 358 / 486
Map Reference	PL 256
Instrument Date	Aug 14, 2025
Instrument	25081805900036
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	5214 LINCOLN ROAD EXT, HATTIESBURG, MS 39402-8072

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 GARRARD ST, COVINGTON, KY 41014-1431

Mortgage

Document Number	0005900037
Date	Aug 18, 2025
Instrument	25081805900037

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 16, 2021
Property Address	1728 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0005900137
Book / Page	104 / 151
Map Reference	PL 256
Instrument Date	Jul 9, 2021
Instrument	21071605900137
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	228 PARK AVE S, 228, NEW YORK, NY 10003-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1728 GARRARD ST, COVINGTON, KY 41014-1431

Mortgage

Document Number	0005900138
Date	Jul 16, 2021
Book Page	242/644
Instrument	21071605900138

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 11, 2020
Property Address	1728 GARRARD ST, COVINGTON, KY 41014-1431
Document Number	0000000035
Book / Page	000042 / 000964
Instrument Date	Aug 20, 2020
Instrument	35
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 WESTOVER DR #14104 SANFORD NC 273308941, 14104, SANFORD, NC 27330-8941
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,232.00 (-0.53%)	$168,500 (-) Land $5,000 Building $163,500	$168,500 (-) Land $5,000 Building $163,500
2023	$2,244.00	$168,500 Land $5,000 Building $163,500	$168,500 Land $5,000 Building $163,500

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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