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1729 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1729 Garrard St, Covington, KY 41014 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,238 sqft
Lot Size0.039 acres (1,680 sqft)
OwnerCompany Name on File
Last Sale$142,050 (Jan 2022)
Tax Bill$795 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jan 2022 Refinance
+ 2 more
Flood ZoneZone X (minimal risk)
APN055-32-01-021.00

Property Details

APN / Parcel Number

Primary APN055-32-01-021.00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,238 sqft Finished Area
Gross Area1,406 sqft

Exterior

Exterior MaterialBrick
Roof MaterialSlate
Lot Area1,680 sqft (0.039 acres)
Lot Dimensions80 ft deep x 21 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address1729 GARRARD ST
CityCOVINGTON
StateKY
Zip41014-1430
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description21'X80' NWC 18TH & GARRARD E.L. SOUTHGATE DIV LOTS 19 20 21
Legal SubdivisionSOUTHGATE RICHARD
Legal Phase17
Legal Lot Number21
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1016
Census Tract60900

Owner

Source: Kenton County records · APN 055-32-01-021.00

Assessment roll updated December 2, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
NONE LISTED ON DOCUMENT
Jan 31, 2022Quit Claim Deed, Transfer · Stand-Alone Refinance
DOMINION FINANCIAL SERVICES LLC
Jun 12, 2020Grant Deed, Transfer
ATTORNEY ONLY
Nov 12, 2019Trustee's Deed, Construction Loan · Construction Mortgage
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 31, 2022 · Amount on Record
Deed SaleJan 31, 2022 · Amount on Record
Prior SaleJun 12, 2020 · Amount on Record
Deed Document Number2022270
Deed Book / Page145 / 783
Record UpdatedJun 08, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Recording DateApr 13, 2026
Property Address1729 GARRARD ST, COVINGTON, KY 41014-1430
Document Number0000007006
Book / Page412 / 130
Instrument DateApr 06, 2026
Instrument20267006
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address2554 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1102
InvestorPossibly a Property Investor

Mortgage

Document Number0000007006,
DateApr 13, 2026
Book Page412/130
Instrument20267006
Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

January 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJan 31, 2022
Property Address1729 GARRARD ST, COVINGTON, KY 41014-1430
Document Number0005900270
Book / Page145 / 783
Instrument DateJan 28, 2022
Instrument22013105900270
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address134 KRUEMPELMAN DR, 134, FT MITCHELL, KY 41011-2685

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 W 9TH ST, COVINGTON, KY 41011-2145

Mortgage

Document Number0005900271
DateJan 31, 2022
Instrument22013105900271
Lender
NameDOMINION FINANCIAL SERVICES LLC
TypeFunding / Finance Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

June 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJun 12, 2020
Property Address1729 GARRARD ST, COVINGTON, KY 41014-1430
Document Number0000000091
Book / Page000025 / 000822
Instrument DateJun 09, 2020
Instrument91
Transaction TypeTransfer
Record UpdatedJul 15, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$60.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1729 GARRARD ST COVINGTON KY 410141430, COVINGTON, KY 41014-1430

November 2019: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateNov 12, 2019
Property Address1729 GARRARD ST, COVINGTON, KY 41014-1430
Book / Page0C6800 / 000106
Instrument DateJul 29, 2019
Instrument296
Transaction TypeConstruction Loan
Record UpdatedDec 10, 2019
Title CompanyTITLE VEST

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address16 BERRYHILL RD #200 COLUMBIA SC 292106433, 200, COLUMBIA, SC 29210-6433

Mortgage

Document Number0000000296
DateNov 12, 2019
Book Page0C6800/000106
Instrument296
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeBank
Address95 HIGHLAND AVE, BETHLEHEM, PA 18017-9424
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueNov 11, 2020

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington 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.

YearTax BillAssessed ValueAssessed Market Value
2025$795.00 (-0.5%)$60,000 (-) Land $5,000 Building $55,000$60,000 (-) Land $5,000 Building $55,000
2023$799.00$60,000 Land $5,000 Building $55,000$60,000 Land $5,000 Building $55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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, availability as of December 31, 2025 · Published October 2026 · based on 1,077 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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