Kenton County property record for 689 Garner Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 925 sqft · built 1955 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | Company Name on File |
| Last Sale | $69,000 (Feb 2019) |
| Tax Bill | $1,522 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Feb 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-022.00 |
| Primary APN | 059-00-00-022.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 925 sqft Finished Area |
| Gross Area | 988 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 51,836 sqft (1.19 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 689 GARNER DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPANTON EARL LOTS 3-4 & PT LOTS 2-5 |
| Legal Subdivision | SPANTON (EARL) |
| Legal Lot Number | 4,2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 65300 |
Source: Kenton County records · APN 059-00-00-022.00
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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 17003, COVINGTON, KY 41017-0003 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Feb 11, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 11, 2019 · Amount on Record |
| Deed Sale | Feb 11, 2019 · Amount on Record |
| Deed Document Number | 201902 11 059 00105 |
| Deed Book / Page | 4224 / 212 |
| Prior Transfer Date | Sep 22, 2009 |
| Prior Transfer Doc | 0005900253 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 689 GARNER DR, COVINGTON, KY 41015-2324 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2023 |
| Name | Verified Name |
|---|---|
| Address | 689 GARNER DR, COVINGTON, KY 41015-2324 |
| Document Number | 0005900101 |
|---|---|
| Date | May 24, 2023 |
| Book Page | KCM 463/545 |
| Instrument | 23052405900101 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | NEWPORT, KY 41076 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Apr 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 11, 2019 |
| Property Address | 689 GARNER DR, COVINGTON, KY 41015-2324 |
| Document Number | 0000000105 |
| Book / Page | 0I4224 / 000212 |
| Instrument Date | Feb 07, 2019 |
| Instrument | 105 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $69.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 689 GARNER DR COVINGTON KY 410152324, COVINGTON, KY 41015-2324 |
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 | $1,522.00 (-7.03%) | $153,600 (-) Land $20,000 Building $133,600 | $153,600 (-) Land $20,000 Building $133,600 |
| 2023 | $1,637.00 | $153,600 Land $20,000 Building $133,600 | $153,600 Land $20,000 Building $133,600 |
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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