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528 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 528 Garrard St, Covington, KY 41011

Property Summary

Property TypeCondominium
Details2 bd · 2.5 ba · 1,783 sqft · built 1905
Lot Size0.041 acres (1,783 sqft)
Owner2 Individual Names on File
Last Sale$319,000 (Sep 2025)
Tax Bill$3,113 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN854-23-25-001.05

Property Details

APN / Parcel Number

Primary APN854-23-25-001.05

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Units3 Units
Stories1 Story
Building Area1,783 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1905
Effective Year BuiltEffective 1905
Architectural StyleCondo/Apartment
Exterior MaterialBrick
Foundation TypeStone
Lot Area1,783 sqft (0.041 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address528 GARRARD ST
CityCOVINGTON
StateKY
Zip41011-2536
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionSALMON P CHASE CONDO UNIT E 1783 SQ FT
Legal SubdivisionSALMON P CHASE CONDOMINIUM
Legal Lot NumberE
Legal UnitE
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3011
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

528 Garrard St, a condominium, is owned by two individuals who bought it in September 2025.

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

Owner of Record2 Individual Names on File
Mailing Address528 GARRARD ST, E, COVINGTON, KY 41011-2536
Owner TypeIndividual
VestingRemainderman

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 Names2 Names on Deed
Last SaleSep 4, 2025 · Amount on File
Deed SaleSep 4, 2025 · Amount on File
Prior SaleAug 14, 2020 · Amount on File
Deed Document Number2025090479
Deed Book / Page361 / 1
Record UpdatedOct 29, 2026

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateAug 14, 2020
Property Address528 GARRARD ST, COVINGTON, KY 41011-2536
Document Number0000000080
Book / Page000037 / 000235
Instrument DateAug 7, 2020
Instrument80
Transaction TypeTransfer
Record UpdatedSep 21, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$235.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 GARRARD ST #E COVINGTON KY 410112536, E, COVINGTON, KY 41011-2536

Mortgage

Document Number81
DateAug 14, 2020
Book Page000M83/000120
Instrument81
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueAug 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 528 Garrard St was $3,113.

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$319,000 (+35.74%) Building $319,000$319,000 (+35.74%) Building $319,000
2025$3,113.00$235,000 Building $235,000$235,000 Building $235,000
2023$3,130.00$235,000 Building $235,000$235,000 Building $235,000

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

Flood

FEMA maps place 528 Garrard St in Zone X, an area of minimal flood risk, within 100 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 100 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 528 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.

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