Kenton County property record for 2038 Garrard St, Covington, KY 41014 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1899 |
| Square Footage | 905 sqft Finished Area |
| Lot Size | 3,049 sqft (0.07 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $118,000 (2021) |
| Tax Bill | $1,563.00 (2025) |
| Primary APN | 055-32-04-061.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 905 sqft Finished Area |
| Gross Area | 1,274 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,049 sqft (0.07 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 2038 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1537 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOOS & FLORER LOT 18 |
| Legal Subdivision | LOOS & FLORER |
| Legal Lot Number | 18 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 1 |
| Census Block | 1024 |
| Census Tract | 61000 |
Source: Kenton County records · APN 055-32-04-061.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2038 GARRARD ST, COVINGTON, KY 41014-1537 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 02, 2021 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Mar 08, 2021 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Oct 22, 2020 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 08, 2021 · Amount on Record |
| Deed Sale | Mar 08, 2021 · Amount on Record |
| Prior Sale | Oct 22, 2020 · Amount on Record |
| Deed Doc Number | 20215900191 |
| Deed Book / Page | 76 / 255 |
| Prior Transfer Date | Apr 19, 2005 |
| Prior Transfer Doc | 0005900078 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2038 GARRARD ST, COVINGTON, KY 41014-1537 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900083 |
|---|---|
| Date | Apr 02, 2021 |
| Book Page | 195/416 |
| Instrument | 21040205900083 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 58 Months |
| Due | Feb 17, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 08, 2021 |
| Property Address | 2038 GARRARD ST, COVINGTON, KY 41014-1537 |
| Document Number | 0005900191 |
| Book / Page | 76 / 255 |
| Map Reference | PL 172 |
| Instrument Date | Feb 24, 2021 |
| Instrument | 21030805900191 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5260 S LANDINGS DR APT 902, 5260, FORT MYERS, FL 33919-4677 |
| Name | Verified Name |
|---|---|
| Address | 2038 GARRARD ST, COVINGTON, KY 41014-1537 |
| Document Number | 0005900192 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 21030805900192 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 22, 2020 |
| Property Address | 2038 GARRARD ST, COVINGTON, KY 41014-1537 |
| Document Number | 0000510042 |
| Book / Page | 000051 / 000042 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 628 POINTE BENTON LN COVINGTON KY 410141100, COVINGTON, KY 41014-1100 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,563.00 (-0.51%) | $118,000 (-) Land $5,000 Building $113,000 | $118,000 (-) Land $5,000 Building $113,000 |
| 2023 | $1,571.00 | $118,000 Land $5,000 Building $113,000 | $118,000 Land $5,000 Building $113,000 |
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