Kenton County property record for 327 Garrard St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,540 sqft · built 1840 |
| Lot Size | 0.044 acres (1,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,180 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-14-14-018.00 |
| Primary APN | 054-14-14-018.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Finished Area |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 1,900 sqft (0.044 acres) |
| Lot Dimensions | 100 ft deep x 19 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Wood |
| Street Address | 327 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL PLAT OF COV PT LOT 182 19'X 100' WS GARRARD 19' N 4TH |
| Legal Subdivision | ORIGINAL PLAT OF COV |
| Legal Lot Number | 182 |
| 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.
327 Garrard St, a single family home, is owned by an individual.
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 | Individual Name on File |
|---|---|
| Mailing Address | 129 GARFIELD PL, BROOKLYN, NY 11215-2002 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 327 Garrard St was $3,180.
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 | $333,000 (+38.75%) Land $15,000 Building $318,000 | $333,000 (+38.75%) Land $15,000 Building $318,000 | |
| 2025 | $3,180.00 | $240,000 Land $15,000 Building $225,000 | $240,000 Land $15,000 Building $225,000 |
| 2023 | $3,196.00 | $240,000 Land $15,000 Building $225,000 | $240,000 Land $15,000 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 327 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 327 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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