Kenton County property record for 411 Garrard St, Covington, KY 41011
| Property Type | Office Building |
|---|---|
| Details | 3,564 sqft |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $515,000 (Sep 2014) |
| Tax Bill | $6,823 (2025) |
| Deeds & Mortgages | Jun 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-23-22-002.00 |
| Primary APN | 054-23-22-002.00 |
|---|
| Total Rooms | 15 Rooms |
|---|---|
| Building Area | 3,564 sqft Finished Area |
| Lot Area | 7,841 sqft (0.18 acres) |
|---|
| Street Address | 411 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2511 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | PARK PLACE LOT 20 |
| Legal Subdivision | PARK PLACE |
| Legal Lot Number | 20 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 67000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Licking Riverside Historic District listed 1975 · 50 contributing resources · NRIS 75000787 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
411 Garrard St, a commercial property, is owned by two individuals who bought it in September 2014.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 411 GARRARD ST, COVINGTON, KY 41011-2511 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2014 · Amount on File |
| Deed Sale | Sep 3, 2014 · Amount on File |
| Prior Sale | Mar 17, 2006 · Amount on File |
| Deed Document Number | 201409 03 059 00038 |
| Deed Book / Page | 5486 / 201 |
| Prior Transfer Date | Dec 27, 2005 |
| Prior Transfer Doc | 0005900282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 19, 2018 |
| Property Address | 411 GARRARD ST, COVINGTON, KY 41011-2511 |
| Document Number | 0000000028 |
| Book / Page | 0C6433 / 000270 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 28 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $515.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 116 SHELBY ST COVINGTON KY 410111732, COVINGTON, KY 41011-1732 |
The 2025 property tax bill for 411 Garrard St was $6,823.
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 | $796,800 (+54.72%) Land $156,800 Building $640,000 | $796,800 (+54.72%) Land $156,800 Building $640,000 | |
| 2025 | $6,823.00 | $515,000 Land $156,800 Building $358,200 | $515,000 Land $156,800 Building $358,200 |
| 2023 | $6,859.00 | $515,000 Land $156,800 Building $358,200 | $515,000 Land $156,800 Building $358,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 411 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 411 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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