321 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 321 Garrard St, Covington, KY 41011 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,840 sqft · built 1840
Lot Size	0.044 acres (1,900 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Feb 2024)
Tax Bill	$2,583 (2025)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-14-14-015.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-14-015.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,840 sqft Finished Area

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,900 sqft (0.044 acres)
Lot Dimensions	100 ft deep x 19 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	321 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1737
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ORIGINAL PLAT OF COV PT LOT 183 19'X 100' WS GARRARD 76' N 4TH
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	183
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3006
Census Tract	67000

Owner

Source: Kenton County records · APN 054-14-14-015.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	220 CHERRYWOOD DR, FT MITCHELL, KY 41011-1802
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Jun 21, 1995 · Amount on Record
Deed Document Number	2024112
Deed Book / Page	271 / 865
Prior Transfer Date	Feb 27, 2024
Prior Transfer Doc	0005900112
Record Updated	Jun 08, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 28, 2024
Property Address	321 GARRARD ST, COVINGTON, KY 41011-1737
Document Number	0005900112
Book / Page	KC 271 / 865
Instrument Date	Feb 27, 2024
Instrument	24022805900112
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	AGILITY CLOSING & TTL SVCS I

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 CHERRYWOOD DR, FT MITCHELL, KY 41011-1802

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	220 CHERRYWOOD DR, FT MITCHELL, KY 41011-1802

Mortgage

Document Number	0005900113
Date	Feb 28, 2024
Instrument	24022805900113

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2039

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,583.00 (-0.54%)	$195,000 (-) Land $15,000 Building $180,000	$195,000 (-) Land $15,000 Building $180,000
2023	$2,597.00	$195,000 Land $15,000 Building $180,000	$195,000 Land $15,000 Building $180,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.