312 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 312 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,466 sqft · built 1886
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Nov 2024)
Tax Bill	$8,943 (2025)
Deeds & Mortgages	Aug 2021 Transfer Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-14-17-009.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-17-009.00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	5,466 sqft Finished Area
Gross Area	5,610 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	190 ft deep x 47 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Heating Fuel	Wood

Location & Zoning

Street Address	312 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT OF COV LOT 134
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	134
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

312 Garrard St is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 GARRARD ST, COVINGTON, KY 41011-1738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Aug 30, 2021	Intrafamily Transfer, Transfer
Aug 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2024 · Amount on File
Deed Sale	Nov 27, 2024 · Amount on File
Deed Document Number	2024141
Deed Book / Page	317 / 712
Prior Transfer Date	Jun 3, 2021
Prior Transfer Doc	0005900172
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 30, 2021
Property Address	312 GARRARD ST, COVINGTON, KY 41011-1738
Document Number	0005900172
Book / Page	114 / 505
Instrument Date	Jun 3, 2021
Instrument	21083005900172
Transaction Type	Transfer
Record Updated	Sep 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 GARRARD ST, COVINGTON, KY 41011-1738

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 30, 2021
Property Address	312 GARRARD ST, COVINGTON, KY 41011-1738
Document Number	0005900174
Book / Page	114 / 507
Instrument Date	Jun 3, 2021
Instrument	21083005900174
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	312 GARRARD ST, COVINGTON, KY 41011-1738

Mortgage

Document Number	0005900173
Date	Aug 30, 2021
Instrument	21083005900173

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	312 GARRARD ST, COVINGTON, KY 41011-1738
Document Number	0000000222
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	SOURCE OF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	312 GARRARD ST COVINGTON KY 410111761, COVINGTON, KY 41011-1761

Mortgage

Document Number	0000000222
Date	May 22, 2017
Book Page	0C6164/000256
Instrument	222

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 312 Garrard St was $8,943.

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		$675,000 (-) Land $50,000 Building $625,000	$675,000 (-) Land $50,000 Building $625,000
2025	$8,943.00	$675,000 Land $50,000 Building $625,000	$675,000 Land $50,000 Building $625,000
2023	$9,110.00 Homeowner's exemption	$730,400 Land $50,000 Building $680,400	$730,400 Land $50,000 Building $680,400

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

Flood

FEMA maps place 312 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 312 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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