207 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 207 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,496 sqft · built 1909
Lot Size	0.17 acres (7,410 sqft)
Owner	2 Company Names on Record
Last Sale	$1,330,000 (Jan 2023)
Tax Bill	$17,622 (2025)
Deeds & Mortgages	Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`054-14-13-006.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-13-006.00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,496 sqft Finished Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Stone
Lot Area	7,410 sqft (0.17 acres)
Lot Dimensions	190 ft deep x 39 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	207 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 79 39'X 190' 95' S OF 2ND ST
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	79
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4030
Census Tract	67000

Historic Designation

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.

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	2 Company Names on Record
Mailing Address	312 E 2ND ST, COVINGTON, KY 41011-1704
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on Record
Deed Sale	Jan 27, 2023 · Amount on Record
Prior Sale	Nov 21, 2012 · Amount on Record
Deed Document Number	2023293
Deed Book / Page	211 / 201
Last Transfer Date	Dec 12, 2024
Transfer Doc	0005900026
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 27, 2023
Property Address	207 GARRARD ST, COVINGTON, KY 41011-1715
Document Number	0005900293
Book / Page	KC 211 / 201
Instrument Date	Jan 26, 2023
Instrument	23012705900293
Transaction Type	Transfer
Record Updated	Feb 10, 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	1414 NE 16TH AVE, FORT LAUDERDALE, FL 33304-1309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 GARRARD ST, COVINGTON, KY 41011-1715

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		$1,335,000 (+0.38%) Land $65,000 Building $1,270,000	$1,335,000 (+0.38%) Land $65,000 Building $1,270,000
2025	$17,622.00 (+69.47%)	$1,330,000 (+70.36%) Land $50,000 Building $1,280,000	$1,330,000 (+70.36%) Land $50,000 Building $1,280,000
2023	$10,398.00	$780,700 Land $50,000 Building $730,700	$780,700 Land $50,000 Building $730,700

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 · 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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims

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	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.

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 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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