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

Kenton County property record for 578 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,053 sqft · built 1970
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Aug 2025)
Tax Bill	$1,878 (2025)
Deeds & Mortgages	Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-227.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-227.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,053 sqft Finished Area
Gross Area	1,677 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	578 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 22
Legal Subdivision	GRAY (PT)
Legal Phase	3
Legal Lot Number	22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records · APN 058-40-00-227.00

Assessment roll updated December 2, 2025 · Last verified April 2026

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	161 POSSUMTROT DR, COVINGTON, KY 41017-9145
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Deed Document Number	2025138
Deed Book / Page	359 / 20
Prior Transfer Date	Nov 15, 2020
Prior Transfer Doc	0000000096
Record Updated	Jun 08, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Apr 05, 2021
Property Address	578 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0005900096
Book / Page	82 / 326
Map Reference	MB 11 PG 20
Instrument Date	Nov 15, 2020
Instrument	21040505900096
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	578 GAMER DRIVE, 578, COVINGTON, KY 41015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11835 TAYLOR MILL RD, INDEPENDENCE, KY 41051-9732

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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	$1,878.00 (-7.08%)	$189,600 (-) Land $15,000 Building $174,600	$189,600 (-) Land $15,000 Building $174,600
2023	$2,021.00	$189,600 Land $15,000 Building $174,600	$189,600 Land $15,000 Building $174,600

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.