Seller's Agent in 2025
Hillary Justice
Coldwell Banker Realty
(513) 602-1715
1 in this area
153 Total Sales
604 Garrard St Covington, KY 41011
Downtown Covington NeighborhoodEstimated Value: $469,000 - $513,000
3
Beds
2.5
Baths
1,760
Sq Ft
$280/Sq Ft
Est. Value
Highlights
- River View
- Vaulted Ceiling
- Wood Flooring
- Deck
- Transitional Architecture
- 3-minute walk to Randolph Park
About This Home
As of February 2025Location, Location, Location! Historic charm that offers 2 off street parking spots, modern amenities, and beautiful water views! This 3 bdrm, 2 bath home is nestled on a picturesque, tree lined street located in the desirable Licking River Historic District. It features beautiful wood floors, updated kitchen and baths, plus 2 full size decks overlooking the Licking River. The home's location is steps away from popular dining spots, cafes, and parks. You won't want to miss this one!
Townhouse Details
Home Type
- Townhome
Year Built
- Built in 1988
Lot Details
- 3,485 Sq Ft Lot
- Landscaped
HOA Fees
- $400 Monthly HOA Fees
Parking
- 1 Car Attached Garage
- Off-Street Parking
- Assigned Parking
Home Design
- Transitional Architecture
- Brick Exterior Construction
- Poured Concrete
- Shingle Roof
- Membrane Roofing
- Metal Roof
Interior Spaces
- 1,760 Sq Ft Home
- 3-Story Property
- Woodwork
- Vaulted Ceiling
- Non-Functioning Fireplace
- Insulated Windows
- Wood Frame Window
- Family Room
- Living Room with Fireplace
- Storage
- River Views
- Pest Guard System
Kitchen
- Eat-In Kitchen
- Electric Oven
- Microwave
- Dishwasher
- Kitchen Island
- Granite Countertops
- Solid Wood Cabinet
- Disposal
Flooring
- Wood
- Carpet
- Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Primary Bedroom
- En-Suite Bathroom
- Granite Bathroom Countertops
- Jetted Tub and Shower Combination in Primary Bathroom
- Hydromassage or Jetted Bathtub
- Bathtub with Shower
- Primary Bathroom includes a Walk-In Shower
Laundry
- Laundry on lower level
- Stacked Washer and Dryer
Finished Basement
- Walk-Out Basement
- Partial Basement
Outdoor Features
- Deck
Schools
- Sixth District Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Cable TV Available
Listing and Financial Details
- Assessor Parcel Number 054-23-26-014.00
Community Details
Overview
- Association fees include pest control, ground maintenance, maintenance structure, snow removal, insurance
- Burton Row Home Owner's Association Inc Association, Phone Number (513) 235-3033
- On-Site Maintenance
Recreation
- Snow Removal
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jan 7, 2025
Closed on
Feb 18, 2025
Sold by
Kelly A Lyle Revocable Trust and Lyle Kelly A
Bought by
Powell Jessica Laura and Adams Brian Patrick
Seller's Agent
Hillary Justice
Coldwell Banker Realty
Buyer's Agent
Kelly Leisring
Huff Realty - CC
List Price
$495,000
Sold Price
$470,000
Premium/Discount to List
-$25,000
-5.05%
Views
71
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$23,411
Avg. Annual Appreciation
4.69%
Original Mortgage
$170,000
Outstanding Balance
$168,699
Interest Rate
6.93%
Mortgage Type
New Conventional
Estimated Equity
$324,712
Purchase Details
Closed on
Apr 17, 2023
Sold by
Lyle Kelly A
Bought by
Kelly A Lyle Revocable Trust
Purchase Details
Closed on
Feb 25, 2023
Sold by
Lyle Christopher L
Bought by
Lyle Kelly A
Purchase Details
Closed on
Jul 24, 2018
Sold by
Tristate Properties Garrard Llc
Bought by
Lyle Christopher L and Lyle Kelly A
Purchase Details
Closed on
Apr 19, 2018
Sold by
Rumao Justin James and Rumao Stefanie
Bought by
Tristate Properties Garrard Llc
Purchase Details
Closed on
Jul 12, 2012
Sold by
Rumao Justin
Bought by
Rumao Justin and Rumao James P
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$186,400
Interest Rate
3.25%
Mortgage Type
New Conventional
Purchase Details
Closed on
Aug 12, 2005
Sold by
Alig John E and Alig Donna K
Bought by
Schoborg Robert B
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$172,000
Interest Rate
6.12%
Mortgage Type
New Conventional
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| Powell Jessica Laura | $470,000 | None Listed On Document | |
| Powell Jessica Laura | $470,000 | None Listed On Document | |
| Kelly A Lyle Revocable Trust | -- | None Listed On Document | |
| Lyle Kelly A | $350,000 | -- | |
| Lyle Christopher L | -- | Northwest Title Family Of Co | |
| Tristate Properties Garrard Llc | $300,000 | Northwest Title Family Of Co | |
| Rumao Justin | -- | 360 American Title Svcs Llc | |
| Rumao Justin | $235,000 | 360 American Title Svcs Llc | |
| Schoborg Robert B | $215,000 | Kentucky Land Title Agency |
Source: Public Records
Mortgage History
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | Powell Jessica Laura | $170,000 | |
| Closed | Powell Jessica Laura | $170,000 | |
| Previous Owner | Rumao Justin | $186,400 | |
| Previous Owner | Schoborg Robert B | $172,000 |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 02/18/2025 02/18/25 | Sold | $470,000 | -1.1% | $267 / Sq Ft |
| 01/20/2025 01/20/25 | Pending | -- | -- | -- |
| 01/17/2025 01/17/25 | Price Changed | $475,000 | -4.0% | $270 / Sq Ft |
| 01/07/2025 01/07/25 | For Sale | $495,000 | -- | $281 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $4,638 | $350,000 | $25,000 | $325,000 |
| 2024 | $4,603 | $350,000 | $25,000 | $325,000 |
| 2023 | $3,996 | $300,000 | $25,000 | $275,000 |
| 2022 | $3,959 | $300,000 | $25,000 | $275,000 |
| 2021 | $4,560 | $300,000 | $25,000 | $275,000 |
| 2020 | $4,537 | $300,000 | $25,000 | $275,000 |
| 2019 | $4,589 | $300,000 | $25,000 | $275,000 |
| 2018 | $3,687 | $235,000 | $25,000 | $210,000 |
| 2017 | $3,741 | $235,000 | $25,000 | $210,000 |
| 2015 | $4,599 | $235,000 | $25,000 | $210,000 |
| 2014 | $4,605 | $235,000 | $25,000 | $210,000 |
Source: Public Records
Agents Affiliated with this Home
-
Hillary Justice
-
Wendy Ruehlmann
Seller Co-Listing Agent in 2025
Wendy Ruehlmann
Coldwell Banker Realty
(513) 545-2246
1 in this area
54 Total Sales
-
Kelly Leisring
Buyer's Agent in 2025
Kelly Leisring
Huff Realty - CC
(859) 445-4862
1 in this area
10 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 629052
APN: 054-23-26-014.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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