Kenton County property record for 628 Garrard St, Covington, KY 41011
| Property Type | Triplex |
|---|---|
| Details | 4 bd · 3 ba · 3,410 sqft · built 1894 |
| Lot Size | 0.033 acres (1,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,000 (May 2004) |
| Tax Bill | $2,650 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-23-26-002.00 |
| Primary APN | 054-23-26-002.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 3,410 sqft Finished Area |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Architectural Style | Triplex |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Lot Area | 1,440 sqft (0.033 acres) |
| Lot Dimensions | 360 ft deep x 4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 628 GARRARD ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-4204 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | 28 1,4X360 FT ES GARRARD 26 3,4FT N 7TH |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 67000 |
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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 628 GARRARD ST, COVINGTON, KY 41011-4204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2004 · Amount on Record |
| Deed Sale | May 19, 2004 · Amount on Record |
| Deed Document Number | 200405 19 059 00230 |
| Deed Book / Page | 2181 / 114 |
| Record Updated | Oct 29, 2026 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $280,000 (+4%) Land $25,000 Building $255,000 | $280,000 (+4%) Land $25,000 Building $255,000 | |
| 2025 | $2,650.00 (-0.53%) | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 |
| 2023 | $2,664.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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