614 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 614 Garrard St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 2,448 sqft · built 1890
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$266,000 (Oct 2022)
Tax Bill	$3,524 (2025)
Deeds & Mortgages	Oct 2022 Sale Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`054-23-26-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-26-008.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,448 sqft Finished Area
Gross Area	2,750 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	190 ft deep x 24 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	614 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2516
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ES GARRARD 24.50' 190 1/2' N 7TH
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

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	Company Name on Record
Mailing Address	614 GARRARD ST, 1, COVINGTON, KY 41011-2516
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Warranty Deed, Transfer
Dec 21, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	202246
Deed Book / Page	195 / 825
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 19, 2022
Property Address	614 GARRARD ST, COVINGTON, KY 41011-2516
Document Number	0005900046
Book / Page	KC 195 / 825
Instrument Date	Oct 5, 2022
Instrument	22101905900046
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 RACE ST, 1118, CINCINNATI, OH 45202-7219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 RACE ST, CINCINNATI, OH 45202-7219

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 21, 2020
Property Address	614 GARRARD ST, COVINGTON, KY 41011-2516
Document Number	0000000036
Book / Page	000061 / 000818
Instrument Date	Nov 9, 2009
Instrument	36
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$266.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 GARRARD ST COVINGTON KY 410112516, COVINGTON, KY 41011-2516

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$280,000 (+5.26%) Land $25,000 Building $255,000	$280,000 (+5.26%) Land $25,000 Building $255,000
2025	$3,524.00 (-0.54%)	$266,000 (-) Land $25,000 Building $241,000	$266,000 (-) Land $25,000 Building $241,000
2023	$3,543.00	$266,000 Land $25,000 Building $241,000	$266,000 Land $25,000 Building $241,000

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

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

Values are read at the parcel center point; 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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