630 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 630 Garrard St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,800 sqft · built 1886
Lot Size	0.117 acres (5,092 sqft)
Owner	Company Name on Record
Last Sale	$30,000 (Oct 2017)
Tax Bill	$2,108 (2025)
Deeds & Mortgages	Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`054-23-26-001.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-26-001.00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,800 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Brick
Foundation Type	Stone
Lot Area	5,092 sqft (0.117 acres)
Lot Dimensions	190 ft deep x 26.8 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	630 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26.75X190FT NEC 7TH & GARRARD
Legal Subdivision	CHESTER & MANSFIELD
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	598 GARRARD ST, COVINGTON, KY 41011-2514
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2017 · Amount on Record
Deed Sale	Oct 31, 2017 · Amount on Record
Prior Sale	Apr 5, 2005 · Amount on Record
Deed Document Number	201710 31 059 00192
Deed Book / Page	6284 / 167
Prior Transfer Date	Apr 1, 2003
Prior Transfer Doc	0410059000
Record Updated	Oct 29, 2026

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 31, 2017
Property Address	630 GARRARD ST, COVINGTON, KY 41011-2516
Document Number	0000000192
Book / Page	0C6284 / 000167
Instrument Date	Oct 30, 2017
Instrument	192
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	598 GARRARD ST COVINGTON KY 410112514, COVINGTON, KY 41011-2514

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		$525,100 (+230.04%) Land $25,000 Building $500,100	$525,100 (+230.04%) Land $25,000 Building $500,100
2025	$2,108.00 (-0.52%)	$159,100 (-) Land $25,000 Building $134,100	$159,100 (-) Land $25,000 Building $134,100
2023	$2,119.00	$159,100 Land $25,000 Building $134,100	$159,100 Land $25,000 Building $134,100

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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