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

Kenton County property record for 589 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,625 sqft · built 1963
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$237,500 (Jun 2022)
Tax Bill	$2,353 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-251.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-251.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,625 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0584000251.00
Street Address	589 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 2 LOT 13
Legal Subdivision	GRAY (PT)
Legal Phase	2
Legal Lot Number	13
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 April 1, 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	589 GARNER DR, COVINGTON, KY 41015-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	May 13, 2003 · Amount on Record
Deed Document Number	0000173291
Deed Book / Page	173 / 291
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 24, 2022
Property Address	589 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0005900049
Book / Page	173 / 291
Map Reference	MB 10 PG 18
Instrument Date	Jun 21, 2022
Instrument	22062405900049
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3461 PETERSBURG RD, 3461, BURLINGTON, KY 41005-8784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 GARNER DR, COVINGTON, KY 41015-2322

Mortgage

Document Number	0005900050
Date	Jun 24, 2022
Instrument	22062405900050

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	589 GARNER DR, COVINGTON, KY 41015-2322
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900041
Date	Jun 22, 2021
Book Page	234/21
Instrument	21062205900041

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

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	$2,353.00 (-7.03%)	$237,500 (-) Land $15,000 Building $222,500	$237,500 (-) Land $15,000 Building $222,500
2023	$2,531.00	$237,500 Land $15,000 Building $222,500	$237,500 Land $15,000 Building $222,500

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 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