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

Kenton County property record for 585 Garner Dr, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,215 sqft · built 1968
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$111,000 (Dec 2015)
Tax Bill	$2,140 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-249.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-249.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,215 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Old Parcel Number	0584000249.00
Street Address	585 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 3 LOT 17
Legal Subdivision	GRAY (PT)
Legal Phase	3
Legal Lot Number	17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records · APN 058-40-00-249.00

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 Record	2 Individual Names on File
Mailing Address	585 GARNER DR, COVINGTON, KY 41015-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	0003686253
Deed Book / Page	3686 / 253
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	585 GARNER DR, COVINGTON, KY 41015-2322
Transaction Type	Mortgage
Record Updated	Apr 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 GARNER DR, COVINGTON, KY 41015-2322

Mortgage

Document Number	0005900093
Date	Apr 05, 2024
Book Page	KCM 538/416
Instrument	24040505900093

Lender

Name	CIVISTA BANK
Type	Bank
Address	100 E WATER ST, SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

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

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	$2,140.00 (-7.04%)	$216,000 (-) Land $15,000 Building $201,000	$216,000 (-) Land $15,000 Building $201,000
2023	$2,302.00	$216,000 Land $15,000 Building $201,000	$216,000 Land $15,000 Building $201,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.