622 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 622 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,470 sqft · built 1886
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$424,900 (Oct 2019)
Tax Bill	$7,037 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-26-004.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-26-004.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,470 sqft Finished Area
Gross Area	2,550 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	622 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20FT ES GARRARD 95FT 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

622 Garrard St is owned and occupied by two individuals who bought it in October 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	622 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	Oct 4, 2019 · Amount on File
Deed Sale	Oct 4, 2019 · Amount on File
Prior Sale	Nov 21, 2016 · Amount on File
Deed Document Number	201910 04 059 00168
Deed Book / Page	6769 / 317
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2019
Property Address	622 GARRARD ST, COVINGTON, KY 41011-2516
Document Number	0000000168
Book / Page	0C6769 / 000317
Instrument Date	Jun 30, 2019
Instrument	168
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 GARRARD ST COVINGTON KY 410112516, COVINGTON, KY 41011-2516

Mortgage

Document Number	170
Date	Oct 4, 2019
Book Page	0C6769/000320
Instrument	170

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 3, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 622 Garrard St was $7,037.

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		$531,100 (-) Land $25,000 Building $506,100	$531,100 (-) Land $25,000 Building $506,100
2025	$7,037.00	$531,100 Land $25,000 Building $506,100	$531,100 Land $25,000 Building $506,100
2023	$7,074.00	$531,100 Land $25,000 Building $506,100	$531,100 Land $25,000 Building $506,100

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

Flood

FEMA maps place 622 Garrard St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 622 Garrard St is low, with less than 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 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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