608 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 608 Garrard St, Covington, KY 41011

Property Summary

Property Type	Landominium
Details	2 bd · 2 ba · 1,980 sqft · built 1986
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,625 (2025)
Flood Zone	Zone X (minimal risk)
APN	`054-23-26-012.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-26-012.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,980 sqft Finished Area
Gross Area	2,340 sqft

Exterior

Year Built	Built 1986
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	227 ft deep x 22 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	0542326012.00
Street Address	608 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2516
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Landominium
Legal Description	BECKS LOT 6
Legal Subdivision	BECKS
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	67000

Owner

Source: Kenton County records · APN 054-23-26-012.00

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	608 GARRARD ST, COVINGTON, KY 41011-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 1998
Deed Sale	Jul 20, 1998
Deed Document Number	0001146101
Prior Transfer Date	Dec 01, 1994
Record Updated	Jun 08, 2026

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	Covington Independent 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	$3,625.00 (-0.52%)	$273,600 (-) Land $25,000 Building $248,600	$273,600 (-) Land $25,000 Building $248,600
2023	$3,644.00	$273,600 Land $25,000 Building $248,600	$273,600 Land $25,000 Building $248,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Licking Riverside Historic District listed 1975 · 50 contributing resources · NRIS 75000787

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 326 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.