1900 Garrard St, Apt 2, Covington, KY 41014 Property Records

Kenton County property record for 1900 Garrard St, Apt 2, Covington, KY 41014

Property Summary

Property Type	Other Improved
Details	built 1909
Lot Size	0.096 acres (4,200 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Sep 2025)
Tax Bill	$1,987 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-32-11-001.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-11-001.00`

Interior

Units	14 Units

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	100 ft deep x 42 ft wide

Location & Zoning

Street Address	1900 GARRARD ST, 2
City	COVINGTON
State	KY
Zip	41014-1445
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOOS & FLORER LOT 43 & PT LOT 42 42'X 100' SEC 19TH & GARRARD
Legal Subdivision	LOOS & FLORER
Legal Lot Number	43,42
Legal Unit	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1017
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 October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 76007, HIGHLAND HEIGHTS, KY 41076-0007
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF KENTUCKY
Sep 14, 2018	Warranty Deed, Transfer RANGERS GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Apr 10, 2014 · Amount on Record
Deed Document Number	2025092551
Deed Book / Page	365 / 302
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 25, 2025
Property Address	1900 GARRARD ST APT 2, 2, COVINGTON, KY 41014-1445
Document Number	0005900051
Book / Page	KC 365 / 302
Instrument Date	Sep 19, 2025
Instrument	25092505900051
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TTL AGCY LLC

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	4050 ROSE HILL AVE, CINCINNATI, OH 45229-1525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 76007, HIGHLAND HEIGHTS, KY 41076-0007

Mortgage

Document Number	0005900004
Date	Sep 25, 2025
Instrument	25093005900004

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 19, 2030

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2018
Property Address	1900 GARRARD ST, COVINGTON, KY 41014-1780
Document Number	0000000140
Book / Page	0C6501 / 000191
Instrument Date	Sep 7, 2018
Instrument	140
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	343 PIKEST COVINGTON KY 41011, COVINGTON, KY 41011

Mortgage

Document Number	141
Date	Sep 14, 2018
Book Page	0C6501/000193
Instrument	141

Lender

Name	RANGERS GROUP LLC
Address	1021 JACKSON RD, PARK HILLS, KY 41011-1911

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Sep 13, 2025

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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
2026		$400,000 (+166.67%) Land $30,000 Building $370,000	$400,000 (+166.67%) Land $30,000 Building $370,000
2025	$1,987.00 (+0.76%)	$150,000 (-) Land $30,000 Building $120,000	$150,000 (-) Land $30,000 Building $120,000
2024	$1,972.00 (-1.3%)	$150,000 (-) Land $30,000 Building $120,000	$150,000 (-) Land $30,000 Building $120,000
2023	$1,998.00	$150,000 Land $30,000 Building $120,000	$150,000 Land $30,000 Building $120,000

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

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 Claims	3 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures