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$680,000

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 1 Partial Bath
  • 2,365 Sq. Ft.
  • 0.22 Acres
  • 2 Car Garage
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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.

Full Property Details for 732 Garrard St

General

  • Price: $680,000
  • Status: Active
  • Type: Single Family
  • Source: Northern_Kentucky
  • MLS ID: 637048
  • Updated: 12/15/2025
  • Added to Site: 97 day(s) ago

Interior

  • Number of Rooms: 12
  • Appliances: Stainless Steel Appliance(s), Gas Range, Refrigerator

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 3
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 4

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Parking Features: Off Street

Location

  • County: Kenton
  • Driving Directions: 5th St to R on Garrard

School Information

  • Elementary School: First 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, Heat Pump, Forced Air, Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public
  • Utility Description: Natural Gas Available

Structural Information

  • Architectural Style: Other, Historic
  • Construction: Brick, Wood Siding
  • Basement Desc.: Unfinished
  • Roof: Asphalt, Shingle
  • Square Feet: 2,365
  • Living Area: 2,365 Sq. Ft.
  • Property Condition: Existing Structure

Lot Features

  • Lot Size (Acres): 0.22
  • Lot Size (Sq. Ft.): 9,500
  • Lot Size: .22
  • Lot Dimensions: 24 x 190

Disclosures and Reports

  • Property ID: 054-23-27-003.00

Listed by eXp Realty, LLC, Ana Williams

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Listing agent

— 732 Garrard St —

  • Ana Williams

    eXp Realty, LLC

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 732 Garrard St

School District:Covington Independent School District
NameGradesDistance
Holmes High School
25th and Madison Ave, Covington, KY 41014
9-121.5 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 732 Garrard St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
12/15/2025
Price Reduced
$680,000
-2.72%
MLS
11/04/2025
Price Reduced
$699,000
-3.59%
MLS
10/10/2025
Listed
$725,000
383.33%
MLS
9/26/2024
Sold
$150,000
—
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 732 Garrard St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,988
37%
$150,000
36%
2024
$1,446
-1%
$110,000
—
2023
$1,465
1%
$110,000
—
2022
$1,453
59%
$110,000
100%
2021
$914
1%
$55,000
—
2019
$902
-49%
$55,000
-50%
2018
$1,766
228%
$110,000
270%
2017
$538
4%
$29,700
—
2016
$518
46%
$29,700
—
2015
$355
-82%
$29,700
-76%
2014
$2,027
-1%
$125,000
—
2013
$2,053
—
$125,000
—
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.

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

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with our affiliated lender
NMLS#: 1598647

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Listed by eXp Realty, LLC, Ana Williams

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732 Garrard Street, Covington, KY 41011 (MLS# 637048) is a Single Family property with 4 bedrooms, 3 full bathrooms and 1 partial bathroom. 732 Garrard Street is currently listed for $680,000 and was received on October 10, 2025. Want to learn more about 732 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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