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

Kenton County property record for 580 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1970
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Aug 2019)
Tax Bill	$2,168 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-226.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-226.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Finished Area
Gross Area	1,865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick
Foundation Type	Concrete
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
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	0584000226.00
Street Address	580 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 20
Legal Subdivision	GRAY (PT)
Legal Phase	3
Legal Lot Number	20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	580 GARNER DR, COVINGTON, KY 41015-2394
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 12, 2019	Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	0000431045
Deed Book / Page	4310 / 45
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	580 GARNER DR, COVINGTON, KY 41015-2394
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900185
Date	Jul 26, 2021
Book Page	247/717
Instrument	21072605900185

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jul 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 12, 2019
Property Address	580 GARNER DR, COVINGTON, KY 41015-2394
Document Number	0000000158
Book / Page	ORI431 / 000045
Instrument Date	Aug 9, 2019
Instrument	158
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 GARNER DR COVINGTON KY 410152394, COVINGTON, KY 41015-2394

Mortgage

Document Number	160
Date	Aug 12, 2019
Book Page	ORI431/000048
Instrument	160

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$2,168.00 (-7.03%)	$218,800 (-) Land $15,000 Building $203,800	$218,800 (-) Land $15,000 Building $203,800
2023	$2,332.00	$218,800 Land $15,000 Building $203,800	$218,800 Land $15,000 Building $203,800

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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