1. Home
  2. Kentucky
  3. Kenton County
  4. Covington
  5. Garrard St

521 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 521 Garrard St, Covington, KY 41011

Property Summary

Property TypeOther Improved
Details6,058 sqft
Lot Size0.179 acres (7,800 sqft)
OwnerCompany Name on File
Last Sale$900,000 (Jan 2023)
Tax Bill$5,962 (2025)
Deeds & MortgagesJan 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN054-23-23-008.00

Property Details

APN / Parcel Number

Primary APN054-23-23-008.00

Interior

Units18 Units
Stories3 Stories
Building Area6,058 sqft Finished Area

Exterior

Lot Area7,800 sqft (0.179 acres)
Lot Dimensions156 ft deep x 50 ft wide

Location & Zoning

Street Address521 GARRARD ST
CityCOVINGTON
StateKY
Zip41011-2558
Property CategoryOther
Property TypeOther > Other Improved
Legal DescriptionPARK PLACE LOT 32 & PT LOT 33 50'X 156'
Legal SubdivisionPARK PLACE
Legal Lot Number32,33
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3014
Census Tract67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

521 Garrard St is owned by a company that bought it in January 2023.

Source: Kenton County records, as of October 20, 2026

Owner of RecordCompany Name on File
Mailing Address525 GARRARD ST, COVINGTON, KY 41011-2559
Owner TypeCompany
VestingCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 4, 2023 · Amount on File
Deed SaleJan 4, 2023 · Amount on File
Deed Document Number202340
Deed Book / Page207 / 641
Prior Transfer DateJan 16, 2013
Prior Transfer Doc0005900019
Record UpdatedOct 29, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 4, 2023
Property Address521 GARRARD ST, COVINGTON, KY 41011-2558
Document Number0005900040
Book / Page207 / 641
Instrument DateDec 30, 2022
Instrument23010405900040
Transaction TypeTransfer
Record UpdatedJan 17, 2023
Title CompanyOLD TOWN TITLE AGENCY, OLD TOWN TITLE AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1 OXFORD DR, FORT MITCHELL, KY 41017-2810

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 9867, CINCINNATI, OH 45209-0867

Mortgage

Document Number0005900041
DateJan 4, 2023
Instrument23010405900041
Lender
NameUNION SAVINGS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 521 Garrard St was $5,962.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$450,000 (-) Land $58,500 Building $391,500$450,000 (-) Land $58,500 Building $391,500
2025$5,962.00$450,000 Land $58,500 Building $391,500$450,000 Land $58,500 Building $391,500
2023$5,994.00$450,000 Land $58,500 Building $391,500$450,000 Land $58,500 Building $391,500

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

Flood

FEMA maps place 521 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 521 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 RiskLow
lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on Garrard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures