620 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 620 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,670 sqft · built 1886
Lot Size	0.109 acres (4,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Dec 2012)
Tax Bill	$4,777 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-23-26-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-26-005.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,670 sqft Finished Area
Gross Area	2,772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,750 sqft (0.109 acres)
Lot Dimensions	190 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	620 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X190FT ES GARRARD 115 FT 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	2 Individual Names on Record
Mailing Address	620 GARRARD ST, COVINGTON, KY 41011-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2012 · Amount on Record
Deed Sale	Dec 19, 2012 · Amount on Record
Prior Sale	Jun 1, 2000 · Amount on Record
Deed Document Number	201212 19 059 00117
Deed Book / Page	5034 / 330
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	620 GARRARD ST, COVINGTON, KY 41011-2516
Document Number	0000000156
Instrument Date	Dec 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	620 GARRARD ST COVINGTON KY 410112516, COVINGTON, KY 41011-2516

Mortgage

Document Number	0000000156
Date	Dec 21, 2017
Book Page	0C6321/000129
Instrument	156

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$360,600 (-) Land $25,000 Building $335,600	$360,600 (-) Land $25,000 Building $335,600
2025	$4,777.00 (-0.54%)	$360,600 (-) Land $25,000 Building $335,600	$360,600 (-) Land $25,000 Building $335,600
2023	$4,803.00	$360,600 Land $25,000 Building $335,600	$360,600 Land $25,000 Building $335,600

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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