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

Kenton County property record for 572 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,107 sqft · built 1970
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Feb 2019)
Tax Bill	$1,858 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-229.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-229.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,107 sqft Finished Area
Gross Area	1,746 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	572 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2394
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 4 LOT 24
Legal Subdivision	GRAY (PT)
Legal Phase	4
Legal Lot Number	24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

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

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 Record
Mailing Address	572 GARNER DR, COVINGTON, KY 41015-2394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 27, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 15, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Deed Document Number	201902 15 059 00123
Deed Book / Page	4226 / 17
Prior Transfer Date	Sep 8, 2008
Prior Transfer Doc	0005900288
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	572 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0000000104
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	572 GARNER DR COVINGTON KY 410152394, COVINGTON, KY 41015-2394

Mortgage

Document Number	0000000104
Date	Oct 9, 2020
Book Page	00M109/000544
Instrument	104

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	572 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0000000211
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	572 GARNER DR COVINGTON KY 410152394, COVINGTON, KY 41015-2394

Mortgage

Document Number	0000000211
Date	Jan 14, 2020
Book Page	0000M3/000776
Instrument	211

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 13, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 15, 2019
Property Address	572 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0000000123
Book / Page	0I4226 / 000017
Instrument Date	Feb 13, 2019
Instrument	123
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	572 GARNER DR COVINGTON KY 410152394, COVINGTON, KY 41015-2394

Mortgage

Document Number	124
Date	Feb 15, 2019
Book Page	0I4226/000021
Instrument	124

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2049

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,500 (-) Land $45,000 Building $142,500	$187,500 (-) Land $45,000 Building $142,500
2025	$1,858.00 (-7.01%)	$187,500 (-) Land $15,000 Building $172,500	$187,500 (-) Land $15,000 Building $172,500
2023	$1,998.00	$187,500 Land $15,000 Building $172,500	$187,500 Land $15,000 Building $172,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

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 System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
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, 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 161 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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