732 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 732 Garrard St, Covington, KY 41011 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,365 sqft · built 1894
Lot Size	0.105 acres (4,560 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Mar 2026)
Tax Bill	$1,987 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`054-23-27-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-27-003.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,365 sqft Finished Area
Gross Area	3,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Exterior Material	Brick
Roof Material	Metal
Lot Area	4,560 sqft (0.105 acres)
Lot Dimensions	190 ft deep x 24 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	732 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOOTES ADDN PT LOT 215 24'X 190'
Legal Subdivision	FOOTES ADDN
Legal Lot Number	215
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	67000

Owner

Source: Kenton County records · APN 054-23-27-003.00

Assessment roll updated December 2, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	732 GARRARD ST, COVINGTON, KY 41011-2518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 06, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 19, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 06, 2026 · Amount on Record
Deed Sale	Mar 06, 2026 · Amount on Record
Prior Sale	Sep 30, 2024 · Amount on Record
Deed Document Number	202603064576
Deed Book / Page	396 / 417
Record Updated	Jun 08, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 06, 2026
Property Address	732 GARRARD ST, COVINGTON, KY 41011-2518
Document Number	0000004576
Book / Page	396 / 417
Map Reference	SL 85
Instrument Date	Mar 05, 2026
Instrument	26059000004576
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1642 PARK RD, FT WRIGHT, KY 41011-2762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	732 GARRARD ST, COVINGTON, KY 41011-2518

Mortgage

Document Number	0000004577
Date	Mar 06, 2026
Instrument	26059000004577

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 19, 2019
Property Address	732 GARRARD ST, COVINGTON, KY 41011-2518
Document Number	0000000079
Book / Page	0C6620 / 000215
Instrument Date	Dec 02, 2018
Instrument	79
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$55.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28 W FIFTY ST COVINGTON KY 41011, COVINGTON, KY 41011

Tax Assessment & Valuation

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

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,987.00 (+35.63%)	$150,000 (+36.36%) Land $10,000 Building $140,000	$150,000 (+36.36%) Land $10,000 Building $140,000
2023	$1,465.00	$110,000 Land $10,000 Building $100,000	$110,000 Land $10,000 Building $100,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 656 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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