Kenton County property record for 314 Garrard St, Covington, KY 41011
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 5,061 sqft · built 1953 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $450,000 (Apr 2017) |
| Tax Bill | $6,558 (2025) |
| Deeds & Mortgages | Apr 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-14-17-008.00 |
| Primary APN | 054-14-17-008.00 |
|---|
| Units | 3 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 5,061 sqft Finished Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Brick |
| Lot Area | 18,000 sqft (0.413 acres) |
| Lot Dimensions | 360 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 314 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1799 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | ORIGINAL PLAT OF COV LOT 186 & PT 187 50'X 360' IRREG |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 186,187 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 67000 |
314 Garrard St, a residential property, is owned by a company that bought it in April 2017.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 316 GARRARD ST, COVINGTON, KY 41011-1738 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2017 · Amount on File |
| Deed Sale | Apr 18, 2017 · Amount on File |
| Prior Sale | Jun 16, 2004 · Amount on File |
| Deed Document Number | 201704 18 059 00086 |
| Deed Book / Page | 6137 / 340 |
| Prior Transfer Date | Oct 26, 1999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 18, 2017 |
| Property Address | 314 GARRARD ST, COVINGTON, KY 41011-1799 |
| Document Number | 0000000086 |
| Book / Page | 0C6137 / 000340 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 86 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 316 GARRARD ST COVINGTON KY 410111738, COVINGTON, KY 41011-1738 |
The 2025 property tax bill for 314 Garrard St was $6,558.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $674,000 (+36.16%) Land $50,000 Building $624,000 | $674,000 (+36.16%) Land $50,000 Building $624,000 | |
| 2025 | $6,558.00 | $495,000 Land $50,000 Building $445,000 | $495,000 Land $50,000 Building $445,000 |
| 2023 | $6,593.00 | $495,000 Land $50,000 Building $445,000 | $495,000 Land $50,000 Building $445,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Garrard St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 314 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.
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 |
| 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.
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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