308 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 308 Garrard St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,428 sqft · built 1886
Lot Size	0.059 acres (2,585 sqft)
Owner	2 Individual Names on File
Last Sale	$314,000 (Apr 2021)
Tax Bill	$4,160 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-14-17-011.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-17-011.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,428 sqft Finished Area
Gross Area	2,584 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Architectural Style	Triplex
Exterior Material	Combination
Foundation Type	Stone
Lot Area	2,585 sqft (0.059 acres)
Lot Dimensions	110 ft deep x 23.5 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	308 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1890
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	ORIGINAL PLAT OF COV PT LOT 135 23.5'X 110' ES GARRARD 96' E 3RD ST
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	135
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
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

308 Garrard St, a triplex, is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1992 S CHERRY ST, DENVER, CO 80222-4600
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2021 · Amount on File
Deed Sale	Apr 29, 2021 · Amount on File
Deed Document Number	20215900218
Deed Book / Page	87 / 490
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 29, 2021
Property Address	308 GARRARD ST, COVINGTON, KY 41011-1890
Document Number	0005900218
Book / Page	87 / 490
Map Reference	PL 45
Instrument Date	Apr 21, 2021
Instrument	21042905900218
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	220 GREENUP ST APT 100, 220, COVINGTON, KY 41011-5724

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	308 GARRARD ST, COVINGTON, KY 41011-1890

Mortgage

Document Number	0005900219
Date	Apr 29, 2021
Book Page	209/411
Instrument	21042905900219

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 308 Garrard St was $4,160.

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		$314,000 (-) Land $20,000 Building $294,000	$314,000 (-) Land $20,000 Building $294,000
2025	$4,160.00	$314,000 Land $20,000 Building $294,000	$314,000 Land $20,000 Building $294,000
2023	$4,182.00	$314,000 Land $20,000 Building $294,000	$314,000 Land $20,000 Building $294,000

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

Flood

FEMA maps place 308 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 308 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 97% of the US · lower than 97.3% 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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