Kenton County property record for 319 Garrard St, Covington, KY 41011
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 4,278 sqft · built 1840 |
| Lot Size | 0.104 acres (4,522 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,848 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jun 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-14-14-014.00 |
| Primary APN | 054-14-14-014.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 4,278 sqft Finished Area |
| Gross Area | 4,373 sqft |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Triplex |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 4,522 sqft (0.104 acres) |
| Lot Dimensions | 190 ft deep x 23.8 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 319 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1886 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 184 23.75'X 190' |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 184 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 67000 |
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.
319 Garrard St, a triplex, is owned by an individual who acquired it in June 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 KENNEDY RD, COVINGTON, KY 41011-3668 |
| 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.
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Jun 22, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 20, 2022 |
| Transfer Doc | 0005900085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 319 GARRARD ST, COVINGTON, KY 41011-1886 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2022 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0005900179 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 402/313 |
| Instrument | 22083005900179 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 22, 2022 |
| Property Address | 319 GARRARD ST, COVINGTON, KY 41011-1886 |
| Document Number | 0005900085 |
| Book / Page | 172 / 676 |
| Map Reference | PL 45 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 22062205900085 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10 KENNEDY RD, 10, COVINGTON, KY 41011-3668 |
| Name | Verified Name |
|---|---|
| Address | 10 KENNEDY RD, COVINGTON, KY 41011-3668 |
The 2025 property tax bill for 319 Garrard St was $2,848.
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 | $280,000 (+30.23%) Land $30,000 Building $250,000 | $280,000 (+30.23%) Land $30,000 Building $250,000 | |
| 2025 | $2,848.00 | $215,000 Land $15,000 Building $200,000 | $215,000 Land $15,000 Building $200,000 |
| 2023 | $2,863.00 | $215,000 Land $15,000 Building $200,000 | $215,000 Land $15,000 Building $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 319 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 risk around 319 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.
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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