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

Kenton County property record for 693 Garner Dr, Covington, KY 41015 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 920 sqft · built 1955
Lot Size0.43 acres (18,731 sqft)
OwnerCompany Name on File
Last Sale$80,000 (Sep 2021)
Tax Bill$792 (2025)
Deeds & MortgagesJan 2023 Line of Credit
Sep 2021 Sale
Flood ZoneZone X (minimal risk)
APN059-00-00-024.00

Property Details

APN / Parcel Number

Primary APN059-00-00-024.00

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area920 sqft Finished Area
Gross Area1,144 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address693 GARNER DR
CityCOVINGTON
StateKY
Zip41015-2324
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPANTON EARL PT LOTS 1-2 GARNER & SPANTON RD
Legal SubdivisionSPANTON (EARL)
Legal Lot Number1,2
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4003
Census Tract65300

Owner

Source: Kenton County records · APN 059-00-00-024.00

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 RecordCompany Name on File
Mailing Address689 GARNER DR, COVINGTON, KY 41015-2324
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 27, 2023Deed, Transfer · Line of Credit
HERITAGE SOUTHEAST BANK
Sep 07, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 07, 2021 · Amount on Record
Deed SaleSep 07, 2021 · Amount on Record
Prior SaleOct 08, 2013 · Amount on Record
Deed Document Number20215900086
Deed Book / Page116 / 238
Prior Transfer DateApr 03, 2010
Prior Transfer Doc0005900129
Record UpdatedJun 08, 2026

January 2023: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateJan 27, 2023
Property Address693 GARNER DR, COVINGTON, KY 41015-2324
Document Number0005900191
Book / PageKC 211 / 106
Map ReferencePL 4 PG 1
Instrument DateJan 20, 2023
Instrument23012705900191
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address693 GARNER DR, COVINGTON, KY 41015-2324

Mortgage

Document Number0005900192
DateJan 27, 2023
Book PageKCM 436/754
Instrument23012705900192
Lender
NameHERITAGE SOUTHEAST BANK
TypeBank
AddressNEWPORT, KY 41076
Agreement
TypeLine of Credit
AmountAmount Recorded
Term36 Months
DueJan 20, 2026
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 07, 2021
Property Address693 GARNER DR, COVINGTON, KY 41015-2324
Document Number0005900086
Book / Page116 / 238
Map ReferencePL 4 PG 1
Instrument DateSep 02, 2021
Instrument21090705900086
Transaction TypeTransfer
Record UpdatedSep 22, 2021

Transaction

AmountAmount Recorded
Tax$80.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2323 SE 30TH ST, 2323, OKEECHOBEE, FL 34974-6750

Transferred To (Grantee/Buyer)

NameVerified Name
Address693 GARNER DR, COVINGTON, KY 41015-2324

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$792.00 (-7.04%)$80,000 (-) Land $15,000 Building $65,000$80,000 (-) Land $15,000 Building $65,000
2023$852.00$80,000 Land $15,000 Building $65,000$80,000 Land $15,000 Building $65,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 161 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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