Kenton County property record for 203 Garrard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 4,412 sqft · built 1860 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $620,000 (Jan 2025) |
| Tax Bill | $7,596 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-14-13-005.00 |
| Primary APN | 054-14-13-005.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,412 sqft Finished Area |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Exterior Material | Stucco |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 146 ft deep x 47 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 203 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 80 |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 80 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 67000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Riverside Drive Historic District listed 1971 · 30 contributing resources · NRIS 71000350 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 203 GARRARD ST, COVINGTON, KY 41011-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Deed Document Number | 2025214 |
| Deed Book / Page | 325 / 775 |
| Record Updated | Oct 29, 2026 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $620,000 (+8.15%) Land $65,000 Building $555,000 | $620,000 (+8.15%) Land $65,000 Building $555,000 | |
| 2025 | $7,596.00 (+8.24%) | $573,300 (-) Land $50,000 Building $523,300 | $573,300 (-) Land $50,000 Building $523,300 |
| 2023 | $7,018.00 Homeowner's exemption | $573,300 Land $50,000 Building $523,300 | $573,300 Land $50,000 Building $523,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 individual policies |
| Nearby Flood Policies | 104 units insured incl. 82 condo units |
| Nearby Flood Claims | 9 (1997–2025) |
| Claims Outside the SFHA | 2 of 9 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 326 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 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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