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

Kenton County property record for 607 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,688 sqft · built 2016
Lot Size	7.24 acres (315,723 sqft)
Owner	2 Individual Names on File
Last Sale	$129,000 (Aug 2015)
Tax Bill	$5,252 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`059-30-00-116.00`

Property Details

APN / Parcel Number

Primary APN	`059-30-00-116.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stone
Foundation Type	Concrete
Lot Area	315,723 sqft (7.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Geothermal

Location & Zoning

Street Address	607 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPANTON EARL PT LOTS 11-12 7.248 ACS NS CLOVER SWC LOT 25 GRANDVIEW & 0.186 AC LAND ADDN
Legal Subdivision	SPANTON (EARL)
Legal Lot Number	12,13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

607 Garner Dr is owned and occupied by two individuals who bought it in August 2015.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	607 GARNER DR, COVINGTON, KY 41015-2324
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Conventional with PMI HEARTLAND BK
Apr 18, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2015 · Amount on File
Deed Sale	Aug 3, 2015 · Amount on File
Deed Document Number	201508 03 059 00309
Deed Book / Page	3628 / 108
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	607 GARNER DR, COVINGTON, KY 41015-2324
Document Number	0000000054
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	607 GARNER DR COVINGTON KY 410152324, COVINGTON, KY 41015-2324

Mortgage

Document Number	0000000054
Date	Dec 10, 2020
Book Page	00M138/000817
Instrument	54

Lender

Name	HEARTLAND BK
Type	Bank
Address	WHITEHALL, OH 43213

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 18, 2017
Property Address	607 GARNER DR, COVINGTON, KY 41015-2324
Document Number	0000000310
Book / Page	0I3926 / 000314
Instrument Date	Apr 18, 2017
Instrument	310
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	607 GARNER DR COVINGTON KY 410152324, COVINGTON, KY 41015-2324

Tax Assessment & Valuation

The 2025 property tax bill for 607 Garner Dr was $5,252.

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		$577,700 (+9%) Land $130,000 Building $447,700	$577,700 (+9%) Land $130,000 Building $447,700
2025	$5,252.00	$530,000 Land $130,000 Building $400,000	$530,000 Land $130,000 Building $400,000
2023	$5,649.00	$530,000 Land $130,000 Building $400,000	$530,000 Land $130,000 Building $400,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 607 Garner Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 607 Garner Dr is low, with a 0.01% annual chance of 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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