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

Kenton County property record for 559 Garner Dr, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1977
Lot Size	0.389 acres (16,988 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,404 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-239.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-239.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Finished Area
Gross Area	1,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	16,988 sqft (0.389 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	0584000239.00
Street Address	559 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 37
Legal Subdivision	GRAY (PT)
Legal Phase	5
Legal Lot Number	37
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records · APN 058-40-00-239.00

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	2 Individual Names on File
Mailing Address	559 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 22, 1977
Deed Sale	Apr 22, 1977
Deed Document Number	0000020692
Record Updated	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	559 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000082
Instrument Date	Jun 28, 2018
Transaction Type	Mortgage
Record Updated	Aug 01, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	559 GARNER DR COVINGTON KY 410152322, COVINGTON, KY 41015-2322

Mortgage

Document Number	0000000082
Date	Jul 18, 2018
Book Page	0I4134/000187
Instrument	82

Lender

Name	PNC BK
Type	Bank
Address	NEWPORT, KY 41071

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,404.00 (-8.77%) Homeowner's exemption	$190,800 (-) Land $15,000 Building $175,800	$190,800 (-) Land $15,000 Building $175,800
2023	$1,539.00 Homeowner's exemption	$190,800 Land $15,000 Building $175,800	$190,800 Land $15,000 Building $175,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
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.