329 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 329 Garrard St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,629 sqft · built 1840
Lot Size	0.044 acres (1,900 sqft)
Owner	Individual Name on Record
Last Sale	$405,900 (Feb 2023)
Tax Bill	$5,378 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jan 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-14-14-019.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-14-019.00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,629 sqft Finished Area
Gross Area	2,749 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Triplex
Exterior Material	Brick
Foundation Type	Stone
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	329 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-1737
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	ORIGINAL PLAT OF COV PT LOT 182 19'X 100'
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

Historic Designation

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.

Owner

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 Record
Mailing Address	329 GARRARD ST, COVINGTON, KY 41011-1737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Oct 17, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Oct 17, 2018 · Amount on Record
Deed Document Number	2023185
Deed Book / Page	214 / 72
Prior Transfer Date	Feb 6, 2023
Prior Transfer Doc	0005900185
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2023
Property Address	329 GARRARD ST, COVINGTON, KY 41011-1737
Document Number	0005900185
Book / Page	KC 214 / 72
Instrument Date	Feb 8, 2023
Instrument	23021705900185
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19104 SPRING BLOSSOM LN, BREINIGSVILLE, PA 18031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 4TH ST, COVINGTON, KY 41011-1759

Mortgage

Document Number	0005900186
Date	Feb 17, 2023
Book Page	KCM 441/65
Instrument	23021705900186

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	KIMBERLY, WI 54136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 22, 2020
Property Address	329 GARRARD ST, COVINGTON, KY 41011-1737
Document Number	0000000170
Book / Page	000003 / 000559
Instrument Date	Jan 20, 2020
Instrument	170
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2117 CASTILLO ST #C SANTA BARBARA CA 931056216, C, SANTA BARBARA, CA 93105-6216

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 26, 2018
Property Address	329 GARRARD ST, COVINGTON, KY 41011-1737
Document Number	0000000310
Book / Page	0C6552 / 000049
Instrument Date	Oct 30, 2018
Instrument	310
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	329 GARRARD ST COVINGTON KY 410111737, COVINGTON, KY 41011-1737

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 17, 2018
Property Address	329 GARRARD ST, COVINGTON, KY 41011-1737
Document Number	0000000171
Book / Page	0C6525 / 000302
Instrument Date	Oct 12, 2018
Instrument	171
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	329 GARRARD ST COVINGTON KY 410111737, COVINGTON, KY 41011-1737

Mortgage

Document Number	172
Date	Oct 17, 2018
Book Page	0C6525/000305
Instrument	172

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2048

Tax Assessment & Valuation

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		$405,900 (-) Land $15,000 Building $390,900	$405,900 (-) Land $15,000 Building $390,900
2025	$5,378.00 (+45.78%)	$405,900 (+46.53%) Land $15,000 Building $390,900	$405,900 (+46.53%) Land $15,000 Building $390,900
2023	$3,689.00	$277,000 Land $15,000 Building $262,000	$277,000 Land $15,000 Building $262,000

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

Flood

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

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.

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.

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