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

Kenton County property record for 591 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 999 sqft · built 1960
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (Oct 2019)
Tax Bill	$1,981 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-252.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-252.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	999 sqft Finished Area
Gross Area	1,329 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Foundation Type	Block
Lot Area	15,682 sqft (0.36 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	591 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY PT SEC 1 LOT 11
Legal Subdivision	GRAY (PT)
Legal Phase	1
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records, as of October 20, 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 Record
Mailing Address	591 GARNER DR, COVINGTON, KY 41015-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 24, 2019	Warranty Deed, Transfer · FHA Mortgage BAYSHORE MTG FNDG
Jun 13, 2019	Warranty Deed, Construction Loan · Construction Mortgage MM LNDG LLC
May 20, 2019	Warranty Deed, Construction Loan · Line of Credit PAJ FUND I

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2019 · Amount on Record
Deed Sale	Oct 24, 2019 · Amount on Record
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	201910 24 059 00293
Deed Book / Page	4351 / 239
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	591 GARNER DR, COVINGTON, KY 41015-2322
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900091
Date	Aug 25, 2021
Book Page	262/189
Instrument	21082505900091

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 24, 2019
Property Address	591 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000293
Book / Page	0I4351 / 000239
Instrument Date	Oct 21, 2019
Instrument	293
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 GARNER DR COVINGTON KY 410152322, COVINGTON, KY 41015-2322

Mortgage

Document Number	295
Date	Oct 24, 2019
Book Page	0I4351/000242
Instrument	295

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

June 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 13, 2019
Property Address	591 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000191
Book / Page	0I4277 / 000203
Instrument Date	Jun 6, 2019
Instrument	191
Transaction Type	Construction Loan
Record Updated	Jun 27, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$104.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1081-13 117ST RT 28 MILFERD OH 45140, MILFERD, OH 45140

Mortgage

Document Number	192
Date	Jun 13, 2019
Book Page	0I4277/000207
Instrument	192

Lender

Name	MM LNDG LLC
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 12, 2020

May 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 20, 2019
Property Address	591 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000216
Book / Page	0I4265 / 000105
Instrument Date	May 16, 2019
Instrument	216
Transaction Type	Construction Loan
Record Updated	Jun 6, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 15162 COVINGTON KY 410150162, COVINGTON, KY 41015-0162

Mortgage

Document Number	218
Date	May 20, 2019
Book Page	0I4265/000108
Instrument	218

Lender

Name	PAJ FUND I
Type	Funding / Finance Company
Address	PHOENIX, AZ 85028

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 19, 2020

Interest

Rate Type	Adjustable Rate

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
2026		$199,900 (-) Land $45,000 Building $154,900	$199,900 (-) Land $45,000 Building $154,900
2025	$1,981.00 (-7%)	$199,900 (-) Land $15,000 Building $184,900	$199,900 (-) Land $15,000 Building $184,900
2023	$2,130.00	$199,900 Land $15,000 Building $184,900	$199,900 Land $15,000 Building $184,900

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.

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