2023 Garrard St, Covington, KY 41014 Property Records

Kenton County property record for 2023 Garrard St, Covington, KY 41014

Property Summary

Property Type	Restaurant
Details	1,245 sqft · built 1923
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$85,000 (Jul 2023)
Tax Bill	$1,126 (2025)
Deeds & Mortgages	Jul 2023 Sale Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`055-32-04-049.00`

Property Details

APN / Parcel Number

Primary APN	`055-32-04-049.00`

Interior

Building Area	1,245 sqft Finished Area

Exterior

Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	2023 GARRARD ST
City	COVINGTON
State	KY
Zip	41014-1535
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	GARRARD AVE LAND CO LOTS 8-9 & PT LOT 10 50'X 100' WS GARRARD
Legal Subdivision	GARRARD AVE LAND CO
Legal Lot Number	9,10
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
Census Tract	60900

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	2031 GARRARD ST, COVINGTON, KY 41014-1535
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Warranty Deed, Transfer
Jun 11, 2021	Warranty Deed, Transfer PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	2023149
Deed Book / Page	234 / 200
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 5, 2023
Property Address	2023 GARRARD ST, COVINGTON, KY 41014-1535
Document Number	0005900149
Book / Page	KC 234 / 200
Instrument Date	Jun 30, 2023
Instrument	23070505900149
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 BLUFFSIDE DR, COVINGTON, KY 41017-9720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 GARRARD ST, COVINGTON, KY 41014-1535

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 11, 2021
Property Address	2023 GARRARD ST, COVINGTON, KY 41014-1535
Document Number	0005900015
Book / Page	97 / 340
Instrument Date	Jun 4, 2021
Instrument	21061105900015
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2023 GARRARD ST, COVINGTON, KY 41014-1535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CIRCLE DR, FLORENCE, KY 41042-2486

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		$85,000 (-) Land $12,500 Building $72,500	$85,000 (-) Land $12,500 Building $72,500
2025	$1,126.00 (+8.48%)	$85,000 (+8.97%) Land $12,500 Building $72,500	$85,000 (+8.97%) Land $12,500 Building $72,500
2023	$1,038.00 (+0.78%)	$78,000 (-) Land $12,500 Building $65,500	$78,000 (-) Land $12,500 Building $65,500
2022	$1,030.00	$78,000 Land $12,500 Building $65,500	$78,000 Land $12,500 Building $65,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

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