Property 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, updated lighting, and cased windows that showcase the homes 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.

2043 Garrard Street | MLS# 641656

This single family home located at 2043 Garrard Street, Covington, KY 41014 is currently listed for sale with an asking price of $186,000. This property was built in 1904 and has 2 bedrooms and 1 full baths. Garrard Street is located within the Covington Indep school district. Search Covington real estate on 2092sugarmapledrive.cutlerhomes.com today.

Property Features

Property Type: Residential - Single Family

Basement: Unfinished, Walk-Out Access

Basement: Yes

Cooling: Central Air

Days on Market: 28

Fireplaces: 1

Heating: Natural Gas, Forced Air

Home Style: Traditional

Lot Size: 0.05 Acres

Roof Type: Shingle

Stories: 2.0

Year Built: 1904

Feature Descriptions

Appliances: Stainless Steel Appliance(s), Electric Range, Dishwasher, Microwave, Refrigerator

Exterior: Vinyl Siding

Fencing: Chain Link, Privacy, Wood

Fireplace: Brick, Inoperable

Fireplace Y/N: Yes

Foundation: Block

Interior: Laminate Counters, Storage, Entrance Foyer, Chandelier, Ceiling Fan(s), Multi Panel Doors

Laundry: In Basement

Lot: Cleared, Level

Lot Dimensions: of record

Parcel Number: 055-32-04-056.00

Parking: On Street

Patio/Porch: Patio, Porch

Property Condition: Existing Structure

Rooms Total: 7

Security: yes

Security: Security System

Sewer: Public Sewer

Structure Type: House

Sub Type: Single Family Residence

Utilities: Cable Available

Water: Public

Window: Insulated Windows, Vinyl Frames

Room Sizes

Entry: 8 X 6 Level - First

Living Room: 13 X 12 Level - First

Dining Room: 12 X 12 Level - First

Kitchen: 16 X 8 Level - First

Primary Bedroom: 11 X 11 Level - Second

Bedroom 2: 12 X 9 Level - Second

Laundry: 6 X 6 Level - Basement

Local Schools

High School: Holmes Senior High

Middle School: Holmes Middle School

Elementary School: Sixth District Elementary

School District: Covington Indep

Market Trends

Kenton County Residential Market Trend Graphs

Zip Code 41014

Source: Delta Media Group, Inc.

Demographics

Kenton County Demographic Information for 2043 Garrard Street, Covington, KY 41014

Fips

Fips Code 21117

Population

2020 to 2025 Change up 4.0%

2010 Count 159,720

2020 Count 169,064

2025 Estimate (V2025) 175,779

2020 Estimate (V2025) 169,042

Age Distribution (Years Old)

0 to 4 5.6%

5 to 17 22.6%

18 to 64 55.0%

65 and Older 16.8%

Gender

Male 49.8%

Female 50.2%

Place of Birth

Foreign 4.1%

US 95.9%

Education

High School Graduate, Age 25+ 92.9%

Bachelor's Degree or Higher, Age 25+ 37.4%

Computer and Internet use

Households with a computer 95.8%

Households with a broadband Internet subscription 92.0%

Language

English is Second Language, Age 5+ 5.5%

English is First Language, Age 5+ 94.5%

Veterans

Veterans 7,465

Income

Per Capita Income $43,733

Median Household Income $80,548

People in Poverty 9.8%

Commute

Average Work Commute Time 23 minutes

Housing

Total Housing Units 73,256

Households 67,367

Average Household Size 2.52

Owner-Occupied 70.7%

Multi-Family 26.0%

Owner-Occupied Median Value $244,400

Median selected monthly owner costs -with a mortgage $1,584

Median selected monthly owner costs -without a mortgage $580

Median gross rent $1,069

Building Permits

New Private Housing Issued 2024 699

Years at Residence

1 Year or More 88.7%

Less Than 1 Year 11.3%

Business and Employment

Private non-farm Establishments 3,297

Private non-farm Employment 68,018

Private non-farm Employment Growth up 0.5%

Nonemployer Establishments 11,254

Number of Firms 2,816

Business Production

Value of Shipments $2,537,540,000

Wholesale Trade $1,316,991,000

Retail Trade $1,601,623,000

Retail Sales Per Capita $8,235

Accommodation and Food Services $405,567,000

Land

Land Area 160.25 sq. miles

Population Per Square Mile 997

Source: US Census Bureau

Estimate Your Payment

Estimated Payment

$ 999.67 per month $945.42 Principal & Interest $0.00 Property Tax (data not provided by mls) $54.25 Homeowner's Insurance

Change Payment Information

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2043 Garrard StreetCovington, KY 41014