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$189,000

  • For Sale
  • Active
  • Single Family
  • 2 Beds
  • 1 Full Bath
  • 1 Partial Bath
  • 0.05 Acres
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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 with maintenance-free vinyl floors, ample natural light, and a beautiful stained-glass window, the interior feels bright and welcoming. The remodeled kitchen features stainless steel appliances, updated lighting, and cased windows that highlight the home's original craftsmanship. Additional improvements include a newer roof, newer water heater, and an energy-efficient furnace installed in 2022, offering peace of mind for years to come. A full basement provides excellent storage or future finishing potential, while the fireplace adds warmth and charm to the living space. Outside, enjoy a private backyard perfect for entertaining, outdoor living, or a fire pit setup. Located near parks, dining, and downtown access, this home delivers affordability, convenience, and style all in one package.

Full Property Details for 2043 Garrard St

General

  • Price: $189,000
  • Status: Active
  • Type: Single Family
  • Source: Northern_Kentucky
  • MLS ID: 638091
  • Updated: 12/4/2025
  • Added to Site: 58 day(s) ago

Interior

  • Number of Rooms: 7
  • Interior Features: Laminate Counters, Storage, Entrance Foyer, Chandelier, Ceiling Fan(s), Multi-Panel Doors
  • Fireplace: Yes
  • Number of Fireplaces: 1
  • Fireplace(s): Brick, Inoperable
  • Appliances: Stainless Steel Appliance(s), Electric Range, Dishwasher, Microwave, Refrigerator

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 1
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 2

Other Rooms

  • Laundry: In Basement

Additional Information

  • Security/Safety: Security System

Exterior

  • Porch/Patio/Deck: Patio, Porch

Parking

  • Parking Features: On Street

Location

  • County: Kenton
  • Driving Directions: Madison Ave To E 20th to Right onto Garrard Street.

School Information

  • Elementary School: Sixth District Elementary
  • Middle School: Holmes Middle School
  • High School: Holmes Senior High

Community

  • Community Name: K01 - Covington North

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air Conditioning
  • Heating Type: Natural Gas, Forced Air

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Cable Available: Yes
  • Utility Description: Cable Available

Structural Information

  • Architectural Style: Traditional
  • Construction: Vinyl Siding
  • Basement Desc.: Unfinished, Walk-Out Access
  • Roof: Shingle
  • Windows: Insulated Windows, Vinyl Frames
  • Year Built: 1904
  • Property Condition: Existing Structure

Lot Features

  • Lot Size (Acres): 0.05
  • Lot Size (Sq. Ft.): 2,374.02
  • Lot Size: .05
  • Lot Dimensions: of record
  • Lot Features: Cleared, Level
  • Fencing (Description): Chain Link, Privacy, Wood

Disclosures and Reports

  • Property ID: 055-32-04-056.00

Listed by Huff Realty - Florence, Bradley Treas and Huff Realty - Florence, Matthew Fehler

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Listing agents

— 2043 Garrard St —

  • Bradley Treas

    Huff Realty - Florence

  • Matthew Fehler

    Huff Realty - Florence

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 2043 Garrard St

School District:Covington Independent School District
NameGradesDistance
Holmes High School
25th and Madison Ave, Covington, KY 41014
9-120.3 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 2043 Garrard St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
11/18/2025
Listed
$189,000
13.86%
MLS
2/26/2024
Sold
$166,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 2043 Garrard St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$2,200
179%
$166,000
177%
2024
$789
-1%
$60,000
—
2023
$799
1%
$60,000
—
2022
$793
49%
$60,000
100%
2021
$533
-1%
$30,000
—
2018
$536
15%
$30,000
20%
2017
$465
4%
$25,000
—
2016
$445
-1%
$25,000
—
2015
$448
-15%
$25,000
-17%
2019
$526
97%
$30,000
131%
2013
$267
—
$13,000
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 2043 Garrard St

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*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Huff Realty - Florence, Bradley Treas and Huff Realty - Florence, Matthew Fehler

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2043 Garrard Street, Covington, KY 41014 (MLS# 638091) is a Single Family property with 2 bedrooms, 1 full bathroom and 1 partial bathroom. 2043 Garrard Street is currently listed for $189,000 and was received on November 18, 2025. Want to learn more about 2043 Garrard Street? Do you have questions about finding other Single Family real estate for sale in Covington? You can browse all Covington real estate or contact a Coldwell Banker agent to request more information.

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