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

Kenton County property record for 599 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,279 sqft · built 1971
Lot Size	6.25 acres (272,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Apr 2018)
Tax Bill	$3,324 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-256.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-256.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,279 sqft Finished Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	272,250 sqft (6.25 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	599 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6.25 ACS GARNER SPANTON RD ADJ 13 GRAY
Legal Subdivision	PT GRAY SUB
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	2 Individual Names on Record
Mailing Address	599 GARNER DR, COVINGTON, KY 41015-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 4, 2018	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC
Sep 7, 2017	Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on Record
Deed Sale	Apr 4, 2018 · Amount on Record
Prior Sale	Sep 7, 2017 · Amount on Record
Deed Document Number	201804 04 059 00187
Deed Book / Page	4088 / 265
Prior Transfer Date	Mar 30, 2018
Prior Transfer Doc	0005900188
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	599 GARNER DR, COVINGTON, KY 41015-2322
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900105
Date	Jan 4, 2022
Book Page	321/320
Instrument	22010405900105

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2018
Property Address	599 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000187
Book / Page	0I4088 / 000265
Instrument Date	Mar 30, 2018
Instrument	187
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	599 GARNER DR COVINGTON KY 410152322, COVINGTON, KY 41015-2322

Mortgage

Document Number	188
Date	Apr 4, 2018
Book Page	0I4088/000268
Instrument	188

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 7, 2017
Property Address	599 GARNER DR, COVINGTON, KY 41015-2322
Document Number	0000000016
Book / Page	ORI399 / 000068
Instrument Date	Aug 31, 2017
Instrument	16
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	599 GAMER DR COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number	17
Date	Sep 7, 2017
Book Page	0I3996/000093
Instrument	17

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$352,000 (+4.92%) Land $60,000 Building $292,000	$352,000 (+4.92%) Land $60,000 Building $292,000
2025	$3,324.00 (-7.05%)	$335,500 (-) Land $49,400 Building $286,100	$335,500 (-) Land $49,400 Building $286,100
2023	$3,576.00	$335,500 Land $49,400 Building $286,100	$335,500 Land $49,400 Building $286,100

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.

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