320 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 320 Garrard St, Covington, KY 41011

Property Summary

Property Type	Office Building
Details	built 1955
Lot Size	0.371 acres (16,150 sqft)
Owner	Company Name on File
Last Sale	$880,000 (Apr 2025)
Tax Bill	$8,943 (2025)
Deeds & Mortgages	Feb 2024 Sale Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`054-14-17-006.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-17-006.00`

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	16,150 sqft (0.371 acres)
Lot Dimensions	190 ft deep x 85 ft wide

Location & Zoning

Street Address	320 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1738
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	ORIGINAL PLAT OF COV LOT 188 & PT LOTS 187-189 85'X 190' ES GARRARD ST 15' N 4TH ST
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Phase	9
Legal Lot Number	188,187
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3001
Census Tract	67000

Owner

320 Garrard St, a commercial property, is owned by a company that bought it in April 2025.

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

Owner of Record	Company Name on File
Mailing Address	417 W 17TH ST, COVINGTON, KY 41014
Owner Type	Company
Vesting	Limited Liability Partnership

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
Feb 8, 2024	Warranty Deed, Transfer
Nov 8, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on File
Deed Sale	Apr 17, 2025 · Amount on File
Prior Sale	Feb 8, 2024 · Amount on File
Deed Document Number	202533
Deed Book / Page	338 / 632
Prior Transfer Date	Nov 5, 2021
Prior Transfer Doc	0005900185
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 8, 2024
Property Address	320 GARRARD ST, COVINGTON, KY 41011-1738
Document Number	0005900163
Book / Page	KC 268 / 967
Instrument Date	Feb 7, 2024
Instrument	24020805900163
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	537 E PETE ROSE WAY, CINCINNATI, OH 45202-3567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11289 LOFTUS LN, UNION, KY 41091-9699

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2021
Property Address	320 GARRARD ST, COVINGTON, KY 41011-1738
Document Number	0005900185
Book / Page	129 / 752
Instrument Date	Nov 5, 2021
Instrument	21110805900185
Transaction Type	Transfer
Record Updated	Aug 10, 2022

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	537 E PETE ROSE WAY, CINCINNATI, OH 45202-3567

Tax Assessment & Valuation

The 2025 property tax bill for 320 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		$880,000 (+30.37%) Land $214,500 Building $665,500	$880,000 (+30.37%) Land $214,500 Building $665,500
2025	$8,943.00	$675,000 Land $214,500 Building $460,500	$675,000 Land $214,500 Building $460,500
2023	$6,739.00	$506,000 Land $214,500 Building $291,500	$506,000 Land $214,500 Building $291,500

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

Flood

FEMA maps place 320 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

Wildfire risk around 320 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.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures