215 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 215 Garrard St, Covington, KY 41011

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	6 bd · 5 ba · 3,996 sqft · built 1855
Lot Size	0.268 acres (11,685 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Jul 2023)
Tax Bill	$21,862 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-14-13-008.01`

Property Details

APN / Parcel Number

Primary APN	`054-14-13-008.01`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,996 sqft Finished Area

Exterior

Year Built	Built 1855
Effective Year Built	Effective 1855
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Metal
Lot Area	11,685 sqft (0.268 acres)
Lot Dimensions	190 ft deep x 61.5 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	215 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1715
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	ORIGINAL PLAT OF COV LOT 125 & PT 124 61.5'X 190'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	125,124
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4032
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

215 Garrard St, a residential property, is owned by a company that bought it in July 2023.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	215 GARRARD ST, COVINGTON, KY 41011-1715
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Deed of Trust, Mortgage NORMAND G DESMARAIS ETAL
Jul 31, 2023	Warranty Deed, Transfer NORMAND G DESMARAIS ETAL
Jun 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on File
Deed Sale	Jul 31, 2023 · Amount on File
Prior Sale	Nov 21, 2012 · Amount on File
Deed Document Number	2023102
Deed Book / Page	238 / 715
Prior Transfer Date	Jun 7, 2019
Prior Transfer Doc	0000000135
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	215 GARRARD ST, COVINGTON, KY 41011-1715
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 GARRARD ST, COVINGTON, KY 41011-1715

Mortgage

Document Number	0005900259
Date	Sep 8, 2023
Book Page	KCM 490/743
Instrument	23090805900259

Lender

Name	NORMAND G DESMARAIS ETAL
Type	Private Party
Address	219 GARRARD ST, COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2023
Property Address	215 GARRARD ST, COVINGTON, KY 41011-1715
Document Number	0005900102
Book / Page	KC 238 / 715
Instrument Date	Jul 18, 2023
Instrument	23073105900102
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 GARRARD ST, COVINGTON, KY 41011-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 GARRARD ST, COVINGTON, KY 41011-1715

Mortgage

Document Number	0005900259
Date	Jul 31, 2023
Instrument	23090805900259

Lender

Name	NORMAND G DESMARAIS ETAL
Type	Private Party

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jun 19, 2019
Property Address	215 GARRARD ST, COVINGTON, KY 41011-1715
Document Number	0000000135
Book / Page	0C6685 / 000107
Instrument Date	Jun 7, 2019
Instrument	135
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	215 GARRARD ST COVINGTON KY 410111715, COVINGTON, KY 41011-1715

Tax Assessment & Valuation

The 2025 property tax bill for 215 Garrard St was $21,862.

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		$1,650,000 (-) Land $50,000 Building $1,600,000	$1,650,000 (-) Land $50,000 Building $1,600,000
2025	$21,862.00	$1,650,000 Land $50,000 Building $1,600,000	$1,650,000 Land $50,000 Building $1,600,000
2023	$11,776.00 (+0.84%)	$884,100 (-) Land $50,000 Building $834,100	$884,100 (-) Land $50,000 Building $834,100
2022	$11,678.00	$884,100 Land $50,000 Building $834,100	$884,100 Land $50,000 Building $834,100

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

Flood

FEMA maps place 215 Garrard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 215 Garrard St is low, with less than a 0.01% annual chance of 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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