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

Kenton County property record for 576 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1972
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (May 2014)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-228.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-228.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Finished Area
Gross Area	1,788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	576 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2394
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 3 LOT 23
Legal Subdivision	GRAY (PT)
Legal Phase	3
Legal Lot Number	23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County assessment roll, as of December 2, 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	576 GARNER DR, COVINGTON, KY 41015-2394
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CINFED CU
Nov 3, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage CINFED CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 6, 2014 · Amount on Record
Deed Sale	May 6, 2014 · Amount on Record
Prior Sale	Nov 24, 1998 · Amount on Record
Deed Document Number	201405 06 059 00194
Deed Book / Page	3432 / 201
Last Transfer Date	Oct 21, 2025
Transfer Doc	0005900073
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	576 GARNER DR, COVINGTON, KY 41015-2394
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900097
Date	May 4, 2021
Book Page	211/87
Instrument	21050405900097

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Nov 3, 2025
Property Address	576 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0005900073
Book / Page	KC 372 / 214
Map Reference	MB 11 PG 20
Instrument Date	Oct 21, 2025
Instrument	25110305900073
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	576 GARNER DRIVE, INDEPENDENCE, KY 41051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	576 GARNER DR, COVINGTON, KY 41015-2394

Mortgage

Document Number	0005900074
Date	Nov 3, 2025
Instrument	25110305900074

Lender

Name	CINFED CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

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
2025	$1,857.00 (-3.28%)	$187,400 (-) Land $15,000 Building $172,400	$187,400 (-) Land $15,000 Building $172,400
2024	$1,920.00 (-3.86%)	$187,400 (-) Land $15,000 Building $172,400	$187,400 (-) Land $15,000 Building $172,400
2023	$1,997.00	$187,400 Land $15,000 Building $172,400	$187,400 Land $15,000 Building $172,400

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 at the parcel

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)
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.

Nearby Properties on Garner Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures