2043 Garrard Street

Covington, KY 41014

$180,000
Price
2
Beds
—Sq. Ft.
— / Sq. Ft.
—
Sq. Ft.
—
per Sq. Ft.
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Description

100 percent Financing Available Through KY Housing or the City of Covington! This move-in-ready home combines charm, character, and modern updates in a highly convenient Covington location. Freshly painted, professionally cleaned, and featuring brand-new carpet, the home feels bright, clean, and truly turnkey. Maintenance-free vinyl flooring, ample natural light, and a beautiful stained-glass window add warmth and character throughout the interior. The remodeled kitchen includes stainless steel appliances,...100 percent Financing Available Through KY Housing or the City of Covington! This move-in-ready home combines charm, character, and modern updates in a highly convenient Covington location. Freshly painted, professionally cleaned, and featuring brand-new carpet, the home feels bright, clean, and truly turnkey. Maintenance-free vinyl flooring, ample natural light, and a beautiful stained-glass window add warmth and character throughout the interior. The remodeled kitchen includes stainless steel appliances, updated lighting, and cased windows that showcase the home's original craftsmanship. Additional major updates include a newer roof, newer water heater, and an energy-efficient furnace installed in 2022, providing peace of mind for years to come. A full basement offers excellent storage or future finishing potential, while the fireplace adds comfort and charm to the main living space. Outside, enjoy a private backyard perfect for entertaining, outdoor living, or a fire pit setup. Conveniently located near parks, dining, and downtown access, this home delivers affordability, functionality, and style in one complete package.
  1. Listed by Bradley Treas • Brokerage DRE #232364 • Huff Realty - Florence
    P: (859)-801-1088 C: (859)-801-1088 brad@treasteam.com
  2. Listed by Matthew Fehler • Brokerage DRE #232364 • Huff Realty - Florence
    P: (859)-743-0678 C: (859)-743-0678 matt@treasteam.com

Property Details for 2043 Garrard Street

Architectural Style
Traditional
LISTING UPDATED: 05/19/2026 09:53 AM

Property Details for 2043 Garrard Street

StatusActive
MLS #641656
Days on Market9736
Taxes-
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1904
Lot Size0.05 AC / 2,178 SF
CountyKenton County
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Location

Listing Courtesy of Huff Realty - Florence
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Building Information for 2043 Garrard Street

Stories-Year Built1904Building Size-Lot Size0.05 AC / 2,178 SF

Payment Calculator

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$941 per month

30 year fixed, 6.36% Interest

Principal and Interest

$897

Property Taxes

$44

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 2043 Garrard Street

Summary
Location and General Information
  • Longitude: -84.501237
  • Latitude: 39.066107
  • Directions: Madison Ave To E 20th to Right onto Garrard Street.
  • MLSArea Major: K01 - Covington North
  • MLSArea Minor: K01 - Covington North
  • Year Built Known: Yes
  • Property Condition Disclosure: Yes
  • SIC: CO - Covington
Taxes and HOA
  • Association: No
  • Parcel Number: 055-32-04-056.00
  • Tax Rate: 16.03
School Information
  • High School District: Covington Indep
  • Elementary School: Sixth District Elementary
  • Middle Or Junior School: Holmes Middle School
  • High School: Holmes Senior High
Parking
  • Parking Features: On Street
  • Attached Garage: No
Property
Lot Information
  • Lot Size Units: Acres
  • Lot Features: Cleared, Level
  • Lot Size Acres: 0.0545
  • Lot Size Dimensions: of record
  • Lot Size Area: 0.05
  • Lot Features: Cleared, Level
Property and Assessments
  • New Construction: No
  • Year Built: 1904
  • Property Condition: Existing Structure
  • Land Lease: Yes
  • Property Attached: No
  • Land Description: Less than .5 Acre
Building Features
  • Levels: Two
  • Structure Type: House
  • Foundation Details: Block
  • Construction Materials: Vinyl Siding
Utilities
  • Utilities: Cable Available
  • Sewer: Public Sewer
  • Water Source: Public
  • Gas Company: Duke
  • Electric Company: Duke
  • Water Company: NKWD
  • Sanitation Company: SD1
Interior and Exterior Features
Interior Features
  • Bathrooms: 1
  • Appliances: Dishwasher, Microwave, Refrigerator, Stainless Steel Appliance(s), Electric Range
  • Cooling: Central Air
  • Fireplaces Total: 1
  • Security Features: Security System
  • Fireplace: Yes
  • Window Features: Insulated Windows, Vinyl Frames
  • Has Heating: Yes
  • Has Cooling: Yes
  • Basement: Walk-Out Access, Unfinished
  • Interior Features: Ceiling Fan(s), Multi Panel Doors, Chandelier, Entrance Foyer, Laminate Counters, Storage
  • Rooms Total: 7
  • Laundry Features: In Basement
  • Heating: Forced Air, Natural Gas
  • Fireplace Features: Brick, Inoperable
Exterior Features
  • Patio And Porch Features: Porch, Patio
  • Fencing: Wood, Privacy, Chain Link
  • Roof: Shingle
Room Information
Room 1
  • Room Features: Laminate Flooring, Closet(s)
  • Room Type: Entry
  • Room Length: 8.0
  • Room Level: First
  • Room Width: 6.0
  • Room Dimensions: 8 x 6
Room 2
  • Room Features: Walk-Out Access, Fireplace(s), Laminate Flooring
  • Room Type: Living Room
  • Room Length: 13.0
  • Room Level: First
  • Room Width: 12.0
  • Room Dimensions: 13 x 12
Room 3
  • Room Features: Laminate Flooring, Chandelier
  • Room Type: Dining Room
  • Room Length: 12.0
  • Room Level: First
  • Room Width: 12.0
  • Room Dimensions: 12 x 12
Room 4
  • Room Features: Walk-Out Access, Laminate Flooring, Galley Kitchen, Wood Cabinets
  • Room Type: Kitchen
  • Room Length: 16.0
  • Room Level: First
  • Room Width: 8.0
  • Room Dimensions: 16 x 8
Room 5
  • Room Features: Carpet Flooring, Ceiling Fan(s)
  • Room Type: Primary Bedroom
  • Room Length: 11.0
  • Room Level: Second
  • Room Width: 11.0
  • Room Dimensions: 11 x 11
Room 6
  • Room Features: Carpet Flooring, Ceiling Fan(s)
  • Room Type: Bedroom 2
  • Room Length: 12.0
  • Room Level: Second
  • Room Width: 9.0
  • Room Dimensions: 12 x 9
Room 7
  • Room Features: Concrete Flooring
  • Room Type: Laundry
  • Room Length: 6.0
  • Room Level: Basement
  • Room Width: 6.0
  • Room Dimensions: 6 x 6

Property History for 2043 Garrard Street

DateEvent & SourcePriceAppreciation
May 19, 2026

Price Change

Northern Kentucky Multiple Listing Service #641656

$180,000—
Apr 17, 2026

Listed (Active)

Northern Kentucky Multiple Listing Service #641656

$186,000—
Apr 17, 2026

Permanently Off Market

Northern Kentucky Multiple Listing Service #639615

$186,000—
DateEvent & SourcePrice
05/19/2026

Price Change

Northern Kentucky Multiple Listing Service #641656

$180,000
04/17/2026

Listed (Active)

Northern Kentucky Multiple Listing Service #641656

$186,000
04/17/2026

Permanently Off Market

Northern Kentucky Multiple Listing Service #639615

$186,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 2043 Garrard Street

Taxable ValueLand$5,000Additions$25,000Total$30,000
Tax Record2021$533 ($44 / month)
Home Facts
Beds2Baths1.5Total Finished SqFt1,084 SqFtAbove Grade Finished SqFt1,084 SqFtStories2Lot Size2,500 SqFtStyleSingle Family ResidenceYear Built1904CountyKENTONAPN055-32-04-056.00

Schools near 2043 Garrard Street

This home is within Covington Independent.
Rating
School
Type
Grades
Distance
Sixth District Elementary School
Public - K to 5
Holmes Middle School
Public - 6 to 8
Holmes High School
Public - 9 to 12
Chapman Vocational Education Center
Public - 9 to 12
Rating
School
Distance
Sixth District Elementary School
PublicK to 5

Holmes Middle School
Public6 to 8

Holmes High School
Public9 to 12

Chapman Vocational Education Center
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 2043 Garrard Street, Covington, KY 41014

2043 Garrard Street is a single family home for sale in Covington, KY 41014. This property was listed for sale on April 17, 2026 by Huff Realty - Florence, it's currently listed at $180,000. It has been on the market for a total of 9736 days and was last sold on February 26, 2024. This listing's school district is Covington Independent. Nearby schools include Sixth District Elementary School, Holmes Middle School and Holmes High School. 2043 Garrard Street is a 2-bed, 1-bath, single family home built in 1904.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Huff Realty - Florence

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 Compass and its related brokerages 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.