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

Kenton County property record for 569 Garner Dr, Covington, KY 41015 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,508 sqft · built 1973
Lot Size0.339 acres (14,810 sqft)
Owner2 Individual Names on File
Tax Bill$1,656 (2025)
Deeds & MortgagesNov 2025 Second Mortgage
Nov 2025 Second Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN058-40-00-244.00

Property Details

APN / Parcel Number

Primary APN058-40-00-244.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,508 sqft Finished Area
Gross Area2,324 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Exterior MaterialBrick
Foundation TypeConcrete
Lot Area14,810 sqft (0.339 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number0584000244.00
Street Address569 GARNER DR
CityCOVINGTON
StateKY
Zip41015-2322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAY PT SEC 4 LOT 29
Legal SubdivisionGRAY (PT)
Legal Phase4
Legal Lot Number29
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4003
Census Tract65300

Owner

Source: Kenton County records · APN 058-40-00-244.00

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 Record2 Individual Names on File
Mailing Address569 GARNER DR, COVINGTON, KY 41015-2322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 03, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Nov 03, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Aug 30, 2021Transfer on Death Deed, Transfer · Conventional Mortgage
CINCINNATI FSLA
Oct 04, 2017Deed of Trust, Mortgage · Line of Credit
CINFED FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 30, 2021
Deed SaleAug 30, 2021
Prior SaleMay 03, 2002 · Amount on Record
Deed Document Number0000114475
Deed Book / PageI-3291 / 026
Prior Transfer DateJun 14, 2013
Prior Transfer Doc13 06 14 059 00290
Record UpdatedJun 08, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address569 GARNER DR, COVINGTON, KY 41015-2322
Transaction TypeMortgage
Record UpdatedDec 03, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900196
DateNov 03, 2025
Book PageKCM 703/331
Instrument25110305900196
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueNov 01, 2035

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address569 GARNER DR, COVINGTON, KY 41015-2322
Transaction TypeMortgage
Record UpdatedNov 21, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900196
DateNov 03, 2025
Book PageKCM 703/331
Instrument25110305900196
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueNov 01, 2035

August 2021: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionKENTON KY
Recording DateAug 30, 2021
Property Address569 GARNER DR, COVINGTON, KY 41015-2322
Document Number0005900140
Book / Page114 / 475
Map ReferenceMB 15 PG 7
Instrument DateAug 23, 2021
Instrument21083005900140
Transaction TypeTransfer
Record UpdatedSep 09, 2021
Title CompanyNORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address569 GARNER DR, COVINGTON, KY 41015-2322

Mortgage

Document Number0005900141
DateAug 30, 2021
Book Page264/516
Instrument21083005900141
Lender
NameCINCINNATI FSLA
TypeBank
AddressCINCINNATI, OH 45247
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address569 GARNER DR, COVINGTON, KY 41015-2322
Document Number0000000087
Book / Page0I4016 / 000207
Instrument DateOct 04, 2017
Transaction TypeMortgage
Record UpdatedOct 31, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address569 GARNER DR COVINGTON KY 410152322, COVINGTON, KY 41015-2322

Mortgage

Document Number0000000087
DateOct 19, 2017
Book Page0I4016/000207
Instrument87
Lender
NameCINFED FCU
TypeCredit Union
AddressCINCINNATI, OH 45209
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueOct 18, 2037
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,656.00 (-28.16%) Homeowner's exemption$216,300 (-) Land $15,000 Building $201,300$216,300 (-) Land $15,000 Building $201,300
2023$2,305.00$216,300 Land $15,000 Building $201,300$216,300 Land $15,000 Building $201,300

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 161 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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