734 Garrard St, Covington, KY 41011 Property Records

Kenton County property record for 734 Garrard St, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	5,154 sqft
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jun 1996)
Tax Bill	$5,035 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-27-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-27-002.00`

Interior

Units	14 Units
Building Area	5,154 sqft Finished Area

Exterior

Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Location & Zoning

Street Address	734 GARRARD ST
City	COVINGTON
State	KY
Zip	41011-2585
Property Category	Other
Property Type	Other > Other Improved
Legal Description	FOOTES ADDN PT LOT 216 50'X 110' NEC GARRARD & 8TH
Legal Subdivision	FOOTES ADDN
Legal Lot Number	216
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	734 GARRARD ST, 7, COVINGTON, KY 41011-2585
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Line of Credit CINCINNATI FED'L
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 1996 · Amount on Record
Deed Sale	Jun 28, 1996 · Amount on Record
Last Transfer Date	Sep 10, 2014
Transfer Doc	0005900240
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	734 GARRARD ST, COVINGTON, KY 41011-2585
Document Number	0000000175
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 GARRARD ST COVINGTON KY 410112585, COVINGTON, KY 41011-2585

Mortgage

Document Number	0000000175
Date	Aug 24, 2020
Book Page	000M87/000398
Instrument	175

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 23, 2045

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	734 GARRARD ST, COVINGTON, KY 41011-2585
Document Number	0000000196
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 GARRARD ST #7 COVINGTON KY 410112585, 7, COVINGTON, KY 41011-2585

Mortgage

Document Number	0000000196
Date	Sep 10, 2019
Book Page	0C6749/000242
Instrument	196

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 9, 2024

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$380,000 (-) Land $42,300 Building $337,700	$380,000 (-) Land $42,300 Building $337,700
2025	$5,035.00 (-0.51%)	$380,000 (-) Land $42,300 Building $337,700	$380,000 (-) Land $42,300 Building $337,700
2023	$5,061.00	$380,000 Land $42,300 Building $337,700	$380,000 Land $42,300 Building $337,700

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 656 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
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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