732 Garrard St Covington, KY 41011
Downtown Covington NeighborhoodEstimated payment $3,739/month
Highlights
- 0.22 Acre Lot
- Formal Dining Room
- Fireplace
- No HOA
- Stainless Steel Appliances
- 1-minute walk to Randolph Park
About This Home
Nestled in Covington's historic Licking Riverside district, 732 Garrard Street blends modern comfort with timeless charm. This four-bedroom, four-bath home offers nearly 2,500 square feet of open, light-filled living. The main level flows seamlessly from the spacious kitchen and dining area to a bright living room ideal for entertaining. Upstairs, the primary suite features a private deck and spa-style bath, while additional bedrooms offer flexibility for guests or office space. Efficiency upgrades include all-new luxury Pella windows, enhanced insulation, split HVAC systems, and a tankless water heater. Outdoor living shines with dual decks, covered parking, and a generous fenced lot—rare for this walkable neighborhood. Moments from MainStrasse, the riverfront, and downtown Cincinnati, this home combines luxury, efficiency, and location in perfect balance.
Home Details
Home Type
- Single Family
Lot Details
- 9,500 Sq Ft Lot
- Lot Dimensions are 24x190
- Historic Home
Parking
- 2 Car Garage
- Off-Street Parking
Home Design
- Brick Exterior Construction
- Stone Foundation
- Shingle Roof
- Asphalt Roof
- Wood Siding
Interior Spaces
- 2,365 Sq Ft Home
- 3-Story Property
- Fireplace
- Family Room
- Living Room
- Formal Dining Room
- Laundry Room
- Unfinished Basement
Kitchen
- Gas Range
- Stainless Steel Appliances
Bedrooms and Bathrooms
- 4 Bedrooms
Schools
- First District Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Heat Pump System
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 054-23-27-003.00
Map
Home Values in the Area
Average Home Value in this Area
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 | $1,988 | $150,000 | $10,000 | $140,000 |
| 2024 | $1,447 | $110,000 | $10,000 | $100,000 |
| 2023 | $1,465 | $110,000 | $10,000 | $100,000 |
| 2022 | $1,499 | $110,000 | $10,000 | $100,000 |
| 2021 | $897 | $55,000 | $10,000 | $45,000 |
| 2020 | $893 | $55,000 | $10,000 | $45,000 |
| 2019 | $903 | $55,000 | $10,000 | $45,000 |
| 2018 | $1,766 | $110,000 | $10,000 | $100,000 |
| 2017 | $538 | $29,700 | $10,000 | $19,700 |
| 2015 | $489 | $29,700 | $10,000 | $19,700 |
| 2014 | $2,539 | $125,000 | $10,000 | $115,000 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 12/15/2025 12/15/25 | Price Changed | $680,000 | -2.7% | $288 / Sq Ft |
| 11/04/2025 11/04/25 | Price Changed | $699,000 | -3.6% | $296 / Sq Ft |
| 10/10/2025 10/10/25 | For Sale | $725,000 | -- | $307 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $150,000 | None Listed On Document | |
| Deed | $55,000 | None Available | |
| Deed | $29,700 | Kentucky Land Title Agency | |
| Special Warranty Deed | $19,000 | Us Title | |
| Commissioners Deed | $56,700 | None Available | |
| Deed | $92,000 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Closed | $250,000 | Construction |
Source: Northern Kentucky Multiple Listing Service
MLS Number: 637048
APN: 054-23-27-003.00
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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.
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