691 Garner Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 691 Garner Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1951
Lot Size	0.47 acres (20,473 sqft)
Owner	Company Name on Record
Last Sale	$78,000 (Sep 2025)
Tax Bill	$1,247 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`059-00-00-023.00`

Property Details

APN / Parcel Number

Primary APN	`059-00-00-023.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	850 sqft Finished Area
Gross Area	1,058 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	691 GARNER DR
City	COVINGTON
State	KY
Zip	41015-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPANTON EARL PT LOTS 1-2-3 51.5' SS GARNER & SPANTON RD
Legal Subdivision	SPANTON (EARL)
Legal Lot Number	1,2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

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	PO BOX 17003, COVINGTON, KY 41017-0003
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage INVESTORS MORTGAGE CAPITAL LLC
Oct 20, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 26, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Deed Document Number	2025167
Deed Book / Page	365 / 622
Last Transfer Date	Oct 1, 2025
Transfer Doc	0005900212
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Oct 2, 2026
Property Address	691 GARNER DR, COVINGTON, KY 41015-2324
Document Number	0000022466
Book / Page	506 / 467
Instrument Date	Oct 1, 2026
Instrument	2026100222466
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	99 THOMPSON AVE, FT MITCHELL, KY 41017-2730

Mortgage

Document Number	0000022466,
Date	Oct 2, 2026
Book Page	506/467
Instrument	2026100222466

Lender

Name	INVESTORS MORTGAGE CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 20, 2025
Property Address	691 GARNER DR, COVINGTON, KY 41015-2324
Document Number	0005900212
Book / Page	KC 369 / 972
Instrument Date	Oct 3, 2025
Instrument	25102005900212
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 17003, COVINGTON, KY 41017-0003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 17003, COVINGTON, KY 41017-0003

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 26, 2025
Property Address	691 GARNER DR, COVINGTON, KY 41015-2324
Document Number	0005900167
Book / Page	KC 365 / 622
Instrument Date	Sep 24, 2025
Instrument	25092605900167
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11023 ARCARO LN, UNION, KY 41091-9206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 17003, COVINGTON, KY 41017-0003

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$78,000 (-38.05%) Land $35,000 Building $43,000	$78,000 (-38.05%) Land $35,000 Building $43,000
2025	$1,247.00 (+53.01%)	$125,900 (-) Land $20,000 Building $105,900	$125,900 (-) Land $20,000 Building $105,900
2024	$815.00 (-3.78%) Homeowner's exemption	$125,900 (-) Land $20,000 Building $105,900	$125,900 (-) Land $20,000 Building $105,900
2023	$847.00 Homeowner's exemption	$125,900 Land $20,000 Building $105,900	$125,900 Land $20,000 Building $105,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 161 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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