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1815 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1815 Garrard St, Covington, KY 41014 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1883
Square Footage1,350 sqft Finished Area
Lot Size4,950 sqft (0.113 acres)
OccupancyOwner Occupied
Last Sale$242,500 (2023)
Tax Bill$3,213.00 (2025)

Property Details

APN / Parcel Number

Primary APN055-32-02-018.00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,350 sqft Finished Area
Gross Area1,490 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1883
Exterior MaterialBrick Exterior
Foundation TypeBlock Foundation
Roof MaterialComposition Shingle Roof
Lot Area4,950 sqft (0.113 acres)
Depth X Width198 ft x 25 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeBasement Garage

Utilities and HVAC

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

Location & Zoning

Old Parcel Number0553202018.00
Street Address1815 GARRARD ST
CityCOVINGTON
StateKY
Zip41014-1432
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description25'X198' WS GARRARD 198' 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 055-32-02-018.00

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1815 GARRARD ST, COVINGTON, KY 41014-1432
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2025Deed of Trust, Mortgage · Conventional Mortgage
RIVER CITY MORTGAGE LLC
Dec 19, 2023Warranty Deed, Transfer · Conventional Mortgage
RIVER CITY MORTGAGE LLC
Jan 17, 2023Intrafamily Transfer, Transfer · Commercial Mortgage
SILVER HILL FINANCIAL LLC
Jun 10, 2022Warranty Deed, Transfer · Conventional Mortgage
GREAT OAKS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 19, 2023 · Amount on Record
Deed SaleDec 19, 2023 · Amount on Record
Prior SaleJan 17, 2023
Deed Doc Number0000026297
Deed Book / Page262 / 97
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1815 GARRARD ST, COVINGTON, KY 41014-1432
Transaction TypeMortgage
Record UpdatedNov 14, 2025
Title CompanyCOSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1815 GARRARD ST, COVINGTON, KY 41014-1432

Mortgage

Document Number0005900076
DateOct 22, 2025
Book PageKCM 698/946
Instrument25102205900076
Lender
NameRIVER CITY MORTGAGE LLC
TypeMortgage Company
AddressCINCINNATI, OH 45242
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 19, 2023
Property Address1815 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0005900111
Book / PageKC 261 / 97
Instrument DateDec 11, 2023
Instrument23121905900111
Transaction TypeTransfer
Record UpdatedJan 12, 2024
Title Company360 AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address107 MONTCLAIR AVE, LUDLOW, KY 41016-1641

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1815 GARRARD ST, COVINGTON, KY 41014-1432

Mortgage

Document Number0005900112
DateDec 19, 2023
Instrument23121905900112
Lender
NameRIVER CITY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateJan 17, 2023
Property Address1815 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0005900134
Book / PageKC 209 / 782
Instrument DateJan 09, 2023
Instrument23011705900134
Transaction TypeTransfer
Record UpdatedJan 31, 2023
Title CompanyIVY POINTE TITLE LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1815 GARRARD ST, COVINGTON, KY 41014-1432

Transferred To (Grantee/Buyer)

NameVerified Name
Address1815 GARRARD ST, COVINGTON, KY 41014-1432

Mortgage

Document Number0005900135
DateJan 17, 2023
Book Page434/683
Instrument23011705900135
Lender
NameSILVER HILL FINANCIAL LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2053

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 10, 2022
Property Address1815 GARRARD ST, COVINGTON, KY 41014-1432
Document Number0005900163
Book / Page170 / 332
Instrument DateJun 03, 2022
Instrument22061005900163
Transaction TypeTransfer
Record UpdatedJun 23, 2022
Title CompanyAMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address700 S ARMISTEAD AVE, 700, HAMPTON, VA 23669-4113

Transferred To (Grantee/Buyer)

NameVerified Name
Address1815 GARRARD ST, COVINGTON, KY 41014-1432

Mortgage

Document Number0005900164
DateJun 10, 2022
Instrument22061005900164
Lender
NameGREAT OAKS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

Tax Assessment & Valuation

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

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$3,213.00 (+85.62%)$242,500 (+86.54%) Land $5,000 Building $237,500$242,500 (+86.54%) Land $5,000 Building $237,500
2023$1,731.00$130,000 Land $5,000 Building $125,000$130,000 Land $5,000 Building $125,000

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