414 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 414 Garrard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,673 sqft · built 1899
Lot Size	0.17 acres (7,425 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Aug 2015)
Tax Bill	$1,987 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-25-015.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-25-015.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,673 sqft Finished Area
Gross Area	2,813 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Duplex Single
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Slate
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	270 ft deep x 27.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	414 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2512
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PARK PLACE PT LOTS 3-4 27.5'X 270'
Legal Subdivision	PARK PLACE
Legal Lot Number	3,4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3008
Census Tract	67000

Historic Designation

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.

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	Company Name on Record
Mailing Address	414 GARRARD ST, COVINGTON, KY 41011-2512
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed, Transfer SECURITY BANK & TRUST
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Feb 23, 2017	Deed of Trust, Mortgage PACIFIC UNION FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2015 · Amount on Record
Deed Sale	Aug 3, 2015 · Amount on Record
Prior Sale	Dec 15, 2003 · Amount on Record
Deed Document Number	201508 03 059 00346
Deed Book / Page	5706 / 133
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 10, 2025
Property Address	414 GARRARD ST, COVINGTON, KY 41011-2512
Document Number	0005900138
Book / Page	KC 379 / 760
Map Reference	MB 490 PG 303
Instrument Date	Dec 1, 2025
Instrument	25121005900138
Transaction Type	Transfer
Record Updated	Jan 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 GARRARD ST, COVINGTON, KY 41011-2512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 GARRARD ST, COVINGTON, KY 41011-2512

Mortgage

Document Number	0005900139
Date	Dec 10, 2025
Instrument	25121005900139

Lender

Name	SECURITY BANK & TRUST
Type	Bank

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	414 GARRARD ST, COVINGTON, KY 41011-2512
Document Number	0000000119
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 GARRARD ST COVINGTON KY 410112512, COVINGTON, KY 41011-2512

Mortgage

Document Number	0000000119
Date	Jul 11, 2017
Book Page	006198/000053
Instrument	119

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	414 GARRARD ST, COVINGTON, KY 41011-2512
Document Number	0000000069
Book / Page	0C6105 / 000242
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 GARRARD ST COVINGTON KY 410112512, COVINGTON, KY 41011-2512

Mortgage

Document Number	0000000069
Date	Mar 1, 2017
Book Page	0C6105/000242
Instrument	69

Lender

Name	PACIFIC UNION FIN'L
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 29, 2032

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		$240,000 (+6%) Land $25,000 Building $215,000	$240,000 (+6%) Land $25,000 Building $215,000
2025	$1,987.00 (-0.55%)	$150,000 (-) Land $25,000 Building $125,000	$150,000 (-) Land $25,000 Building $125,000
2023	$1,998.00	$150,000 Land $25,000 Building $125,000	$150,000 Land $25,000 Building $125,000

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 100 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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