1. Home
  2. Kentucky
  3. Kenton County
  4. Covington
  5. Garrard St

1923 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 1923 Garrard St, Covington, KY 41014 · Last verified July 2026

Property Highlights

Property TypeResidential > Multi-Unit > Duplex
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1894
Square Footage2,052 sqft Finished Area
Lot Size2,614 sqft (0.06 acres)
OccupancyOwner Occupied
Last Sale$415,000 (2025)
Tax Bill$2,210.00 (2025)

Property Details

APN / Parcel Number

Primary APN055-32-03-016.00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,052 sqft Finished Area
Gross Area2,556 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1894
Effective Year BuiltEffective 1894
Architectural StyleDuplex Single Style
Exterior MaterialWood Siding Exterior
Lot Area2,614 sqft (0.06 acres)
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage

Utilities and HVAC

Cooling SystemNone Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address1923 GARRARD ST
CityCOVINGTON
StateKY
Zip41014-1434
Property UsageResidential Property Usage
TypeResidential > Multi-Unit > Duplex
Legal DescriptionNIXONS LOT 26
Legal SubdivisionNIXONS
Legal Lot Number26
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2019
Census Tract60900

Owner

Source: Kenton County records · APN 055-32-03-016.00

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

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

Owner of RecordIndividual Name on File
Mailing Address1923 GARRARD ST, COVINGTON, KY 41014-1434
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 21, 2024Deed of Trust, Mortgage · Conventional Mortgage
GOLDEN EMPIRE MORTGAGE INC
Jan 21, 2025Warranty Deed, Transfer · Conventional Mortgage
GUARDIAN SAVINGS BANK
Nov 27, 2023Deed, Transfer
Mar 04, 2022Deed, Transfer
Jan 24, 2020Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
May 15, 2019Trustee's Deed, Foreclosure
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 21, 2025 · Amount on Record
Deed SaleJan 21, 2025 · Amount on Record
Prior SaleMar 04, 2022 · Amount on Record
Deed Doc Number2025012174
Deed Book / Page324 / 968
Record RefreshedSep 20, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Transaction TypeMortgage
Record UpdatedNov 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900005
DateAug 21, 2024
Book PageKCM 575/880
Instrument24082105900005
Lender
NameGOLDEN EMPIRE MORTGAGE INC
TypeMortgage Company
AddressLOUISVILLE, KY 40207
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term6 Months
DueFeb 16, 2025

January 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 21, 2025
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Document Number0005900074
Book / PageKC 324 / 968
Instrument DateJan 17, 2025
Instrument25012105900074
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title CompanyPROMINENT TITLE AGENCY

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
Address1655 TRACE DR, FLORENCE, KY 41042-8615

Transferred To (Grantee/Buyer)

NameVerified Name
Address1923 GARRARD ST, COVINGTON, KY 41014-1434

Mortgage

Document Number0005900075
DateJan 21, 2025
Instrument25012105900075
Lender
NameGUARDIAN SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2055

November 2023: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateNov 27, 2023
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Document Number0005900220
Book / PageKC 258 / 658
Instrument DateNov 21, 2023
Instrument23112705900220
Transaction TypeTransfer
Record UpdatedNov 28, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1655 TRACE DR, FLORENCE, KY 41042-8615

Transferred To (Grantee/Buyer)

NameVerified Name
Address1655 TRACE DR, FLORENCE, KY 41042-8615

March 2022: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateMar 04, 2022
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Document Number0005900015
Book / Page151 / 373
Instrument DateMar 03, 2022
Instrument22030405900015
Transaction TypeTransfer
Record UpdatedNov 28, 2025

Transaction

AmountAmount Recorded
Tax$60.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address10 E 26TH ST, COVINGTON, KY 41014-1745

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1655 TRACE DR, FLORENCE, KY 41042-8615

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 24, 2020
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Document Number0000000155
Book / Page000003 / 000865
Instrument DateJan 16, 2020
Instrument155
Transaction TypeTransfer
Record UpdatedMar 23, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$21.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2486 CAMELLIA CT COVINGTON KY 410179498, COVINGTON, KY 41017-9498

May 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateMay 15, 2019
Property Address1923 GARRARD ST, COVINGTON, KY 41014-1434
Document Number0000000112
Book / Page0C6660 / 000105
Instrument DateApr 22, 2019
Instrument112
Transaction TypeForeclosure
Record UpdatedMay 29, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$1.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4869 BROWNSBORO CTR LOUISVILLE KY 402072382, LOUISVILLE, KY 40207-2382

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 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$2,210.00 (+176.6%)$166,800 (+178%) Land $5,000 Building $161,800$166,800 (+178%) Land $5,000 Building $161,800
2023$799.00 (+188.45%)$60,000 (+185.71%) Land $5,000 Building $55,000$60,000 (+185.71%) Land $5,000 Building $55,000
2022$277.00$21,000 Land $5,000 Building $16,000$21,000 Land $5,000 Building $16,000

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