Kenton County property record for 323 Garrard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,132 sqft · built 1840 |
| Lot Size | 0.044 acres (1,900 sqft) |
| Owner | Company Name on Record |
| Last Sale | $80,000 (Feb 2016) |
| Tax Bill | $3,339 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-14-14-016.00 |
| Primary APN | 054-14-14-016.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,132 sqft Finished Area |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 1,900 sqft (0.044 acres) |
| Lot Dimensions | 100 ft deep x 19 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 323 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 183 19'X 100' WS GARRARD 57' 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 |
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.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 323 GARRARD ST, COVINGTON, KY 41011-1737 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2016 · Amount on Record |
| Deed Sale | Feb 19, 2016 · Amount on Record |
| Prior Sale | Aug 24, 1998 · Amount on Record |
| Deed Document Number | 201602 19 059 00154 |
| Deed Book / Page | 5834 / 164 |
| Prior Transfer Date | Mar 1, 2012 |
| Prior Transfer Doc | 0005900233 |
| Record Updated | Oct 29, 2026 |
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 | $336,500 (+33.53%) Land $15,000 Building $321,500 | $336,500 (+33.53%) Land $15,000 Building $321,500 | |
| 2025 | $3,339.00 (-0.51%) | $252,000 (-) Land $15,000 Building $237,000 | $252,000 (-) Land $15,000 Building $237,000 |
| 2023 | $3,356.00 | $252,000 Land $15,000 Building $237,000 | $252,000 Land $15,000 Building $237,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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