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1809 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1809 Garrard St, Covington, KY 41014 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 1904
Square Footage1,368 sqft Finished Area
Lot Size310 sqft (0.007 acres)
OccupancyOwner Occupied
Last Sale$42,500 (2022)
Tax Bill$1,407.00 (2025)

Property Details

APN / Parcel Number

Primary APN055-32-02-015.00

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Partial Baths1 Partial Baths
Building Area1,368 sqft Finished Area
Gross Area1,460 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1904
Effective Year BuiltEffective 1904
Exterior MaterialBrick Exterior
Roof MaterialSlate Roof
Lot Area310 sqft (0.007 acres)
Depth X Width155 ft x 2 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Street Address1809 GARRARD ST
CityCOVINGTON
StateKY
Zip41014-1432
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description28 1/2'X155' WS GARRARD 117' S 18TH W.W. SOUTHGATE SHARE 3 2ND DIV
Legal SubdivisionSOUTHGATE RICHARD
Legal Phase25
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2000
Census Tract60900

Owner

Source: Kenton County records · APN 055-32-02-015.00

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

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

Owner of Record2 Individual Names on File
Mailing Address1809 GARRARD ST, COVINGTON, KY 41014-1432
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
NATIONSTAR MORTGAGE LLC
Sep 01, 2022Intrafamily Transfer, Transfer
TITLE 365, TITLE365
Dec 06, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PRIME LNDG
Nov 14, 2019Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 01, 2022 · Amount on Record
Deed SaleSep 01, 2022 · Amount on Record
Prior SaleDec 06, 2019 · Amount on Record
Deed Doc Number202288
Deed Book / Page187 / 557
Prior Transfer DateMay 19, 2022
Prior Transfer Doc0005900088
Record RefreshedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1809 GARRARD ST, COVINGTON, KY 41014-1432
Transaction TypeMortgage
Record UpdatedJan 05, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900024
DateAug 16, 2022
Book Page398/233
Instrument22081605900024
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term358 Months
DueJun 01, 2052

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateSep 01, 2022
Property Address1809 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0005900088
Book / Page187 / 557
Instrument DateMay 19, 2022
Instrument22090105900088
Transaction TypeTransfer
Record UpdatedSep 16, 2022
Title CompanyTITLE 365, TITLE365

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1809 GARRARD ST, 1809, COVINGTON, KY 41014-1432

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1809 GARRARD ST, COVINGTON, KY 41014-1432

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 06, 2019
Property Address1809 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0000000166
Book / Page0C6820 / 000195
Instrument DateNov 22, 2019
Instrument166
Transaction TypeTransfer
Record UpdatedDec 23, 2019
Title CompanyPRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$85.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1809 GARRARD ST COVINGTON KY 410141432, COVINGTON, KY 41014-1432

Mortgage

Document Number167
DateDec 06, 2019
Book Page0C6820/000198
Instrument167
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 05, 2049

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1809 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0000000210
Instrument DateNov 14, 2019
Transaction TypeMortgage
Record UpdatedJan 10, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1809 GARRARD ST COVINGTON KY 410141432, COVINGTON, KY 41014-1432

Mortgage

Document Number0000000210
DateDec 30, 2019
Book Page0C6843/000082
Instrument210
Lender
NameMISCELLANEOUS GOVT AGCY
Address20 W PIKE ST, COVINGTON, KY 41011-2711
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueDec 29, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,407.00 (-0.5%)$106,200 (-) Land $5,000 Building $101,200$106,200 (-) Land $5,000 Building $101,200
2023$1,414.00$106,200 Land $5,000 Building $101,200$106,200 Land $5,000 Building $101,200

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