Kenton County property record for 683 Garner Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,328 sqft · built 1954 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,000 (Nov 2017) |
| Tax Bill | $1,439 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Nov 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-021.00 |
| Primary APN | 059-00-00-021.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,328 sqft Finished Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Brick |
| Lot Area | 26,572 sqft (0.61 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 683 GARNER DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPANTON EARL LOT 6 & E 1/2 LOT 5 75' SS GARNER & SPANTON RD |
| Legal Subdivision | SPANTON (EARL) |
| Legal Lot Number | 6,5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 65300 |
Source: Kenton County records · APN 059-00-00-021.00
Assessment roll updated December 2, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3484 BLUE CREEK DR, ERLANGER, KY 41018-2648 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 23, 2025 | Intrafamily Transfer, Transfer |
| Nov 14, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 14, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2017 · Amount on Record |
| Deed Sale | Nov 14, 2017 · Amount on Record |
| Prior Sale | Nov 14, 2017 · Amount on Record |
| Deed Document Number | 201711 14 059 00102 |
| Deed Book / Page | 4029 / 11 |
| Last Transfer Date | Oct 17, 2025 |
| Transfer Doc | 0005900068 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 23, 2025 |
| Property Address | 683 GARNER DR, COVINGTON, KY 41015-2324 |
| Document Number | 0005900068 |
| Book / Page | KC 370 / 486 |
| Map Reference | MB 4 PG 1 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 25102305900068 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3484 BLUE CREEK DR, ERLANGER, KY 41018-2648 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3484 BLUE CREEK DR, ERLANGER, KY 41018-2648 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 14, 2017 |
| Property Address | 683 GARNER DR, COVINGTON, KY 41015-2324 |
| Document Number | 0000000102 |
| Book / Page | 0I4029 / 000011 |
| Instrument Date | Nov 10, 2017 |
| Instrument | 102 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $56.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3484 BLUE CREEK DR ERLANGER KY 410182648, ERLANGER, KY 41018-2648 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 14, 2017 |
| Property Address | 683 GARNER DR, COVINGTON, KY 41015-2324 |
| Document Number | 0000000099 |
| Book / Page | 0I4029 / 000008 |
| Instrument Date | Nov 10, 2017 |
| Instrument | 99 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $112.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3484 BLUE CREEK DR ERLANGER KY 410182648, ERLANGER, KY 41018-2648 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,439.00 (-3.36%) | $145,300 (-) Land $20,000 Building $125,300 | $145,300 (-) Land $20,000 Building $125,300 |
| 2024 | $1,489.00 (-3.81%) | $145,300 (-) Land $20,000 Building $125,300 | $145,300 (-) Land $20,000 Building $125,300 |
| 2023 | $1,548.00 | $145,300 Land $20,000 Building $125,300 | $145,300 Land $20,000 Building $125,300 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 161 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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