A
Seller's Agent in 2026
Ana Williams
eXp Realty, LLC
(859) 443-1117
1 in this area
11 Total Sales
732 Garrard St Covington, KY 41011
Downtown Covington Neighborhood
4
Beds
3.5
Baths
2,365
Sq Ft
9,500
Sq Ft Lot Lot
Highlights
- 0.22 Acre Lot
- Formal Dining Room
- Fireplace
- No HOA
- Stainless Steel Appliances
- 1-minute walk to Randolph Park
About This Home
As of March 2026Nestled 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
- Driveway
- Off-Street Parking
Home Design
- Brick Exterior Construction
- Stone Foundation
- Shingle 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
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Oct 10, 2025
Closed on
Mar 5, 2026
Sold by
Carls Properties Llc
Bought by
Lowry Lea
Seller's Agent
Ana Williams
eXp Realty, LLC
Buyer's Agent
Nicole Rankin
Coldwell Banker Realty FM
List Price
$725,000
Sold Price
$650,000
Premium/Discount to List
-$75,000
-10.34%
Views
280
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
40.21%
Original Mortgage
$200,000
Outstanding Balance
$200,000
Interest Rate
6.09%
Mortgage Type
New Conventional
Estimated Equity
$476,904
Purchase Details
Closed on
Sep 26, 2024
Sold by
A E Holdings Llc
Bought by
Carls Properties Llc
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$250,000
Interest Rate
6.49%
Mortgage Type
Construction
Purchase Details
Closed on
Dec 2, 2018
Sold by
Adams Aubrey Daniel and Pelfrey Kerry
Bought by
A E Holdings Llc
Purchase Details
Closed on
Mar 20, 2015
Sold by
Rechtin Jason and Rechtin Linda
Bought by
Adams Aubrey Danl
Purchase Details
Closed on
May 8, 2014
Sold by
Fannie Mae
Bought by
Rechtin Jason
Purchase Details
Closed on
Oct 28, 2013
Sold by
Sells Damian B and Sells Kelly J
Bought by
Federal National Mortgage Association
Purchase Details
Closed on
Jan 7, 1997
Sold by
Simpson Sam P
Bought by
Associates Relocation Management Co
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $650,000 | Northwest Title | |
| 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 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $200,000 | New Conventional | |
| Previous Owner | $250,000 | Construction |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 03/05/2026 03/05/26 | Sold | $650,000 | -4.4% | $275 / Sq Ft |
| 01/16/2026 01/16/26 | Pending | -- | -- | -- |
| 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 |
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 | $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 |
Source: Public Records
Agents Affiliated with this Home
-
Ana Williams
-
Nicole Rankin
Buyer's Agent in 2026
Nicole Rankin
Coldwell Banker Realty FM
(859) 394-4930
2 in this area
161 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 637048
APN: 054-23-27-003.00
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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