555 Garner Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 555 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 1978
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on File
Tax Bill	$1,297 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-237.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-237.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Finished Area
Gross Area	1,886 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	18,295 sqft (0.419 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0584000237.00
Street Address	555 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 5 LOT 41
Legal Subdivision	GRAY (PT)
Legal Phase	5
Legal Lot Number	41
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records · APN 058-40-00-237.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	555 GARNER DR, COVINGTON, KY 41015-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 20, 1978
Deed Sale	Apr 20, 1978
Deed Document Number	0000217230
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	555 GARNER DR, COVINGTON, KY 41015-2322
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900097
Date	Oct 25, 2021
Book Page	290/43
Instrument	21102505900097

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,297.00 (-8.92%) Homeowner's exemption	$180,000 (-) Land $15,000 Building $165,000	$180,000 (-) Land $15,000 Building $165,000
2023	$1,424.00 Homeowner's exemption	$180,000 Land $15,000 Building $165,000	$180,000 Land $15,000 Building $165,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 161 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.