604 Garrard St, Covington, KY 41011
Property image
Property image
OFF MARKET

$499,700

Trulia Estimate
  • 3 Beds
  • 2.5 Baths
  • 1,760 sqft

604 Garrard St, Covington, KY 41011

Est. Refi. Payment $3,176/mo*
Refinance Your Home
Currently Off Market - Sold Feb 18, 2025 for $470,000

Home Value

Trulia Estimate
$500K
Since last month
Decreased$2K (-0.3%)
Since last year
Increased$15K (+3%)
Since last sale
Increased$28K (+6%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +7% in the last 10 years
MonthEstimated value
2026
September 2026$498K
August 2026$500K
July 2026$499K
June 2026$505K
May 2026$498K
March 2026$485K
February 2026$486K
January 2026$485K
2025
2024
2023

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
214 E 2nd St #B, Covington, KY
0.38
Townhouse
$425,000
03/05/26
2
2
1,364
725 Columbia St, Newport, KY
0.61
Townhouse
$385,000
03/16/26
4
3
2,752
116 Shelby St, Covington, KY
0.39
Townhouse
$767,000
06/17/26
2
3.5
1,824
1108 Locust St, Covington, KY
0.72
Townhouse
$625,000
07/20/26
3
3.5
2,460
124 W 4th St, Covington, KY
0.54
Townhouse
$664,900
07/31/26
3
2.5
2,153
1110 Locust St, Covington, KY
0.72
Townhouse
$655,000
10/16/25
4
3.5
2,400
100 W 13th St, Newport, KY
0.88
Townhouse
$725,000
08/03/26
3
3.5
2,505
108 W 13th St, Newport, KY
0.87
Townhouse
$739,000
10/03/25
3
3.5
2,505
1106 Locust St, Covington, KY
0.72
Townhouse
$679,000
11/24/25
4
3.5
2,400

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
528A Garrard St, Covington, KY 41011
0.02
$288,300
1
1.5
1,180
Off Market
522-524 Garrard St, Covington, KY 41011
0.03
$950,000
Studio
-
-
Recently Sold
528 Garrard St, Covington, KY 41011
0.03
$331,900
2
2.5
1,783
Off Market
622 Sanford St #2, Covington, KY 41011
0.05
$468,600
3
2.5
2,431
Off Market
622 Sanford St #4, Covington, KY 41011
0.07
$335,700
2
1
1,874
Off Market
703 Garrard St, Covington, KY 41011
0.09
$540,500
Studio
-
2,712
Off Market
231 E 7th St, Covington, KY 41011
0.10
$509,300
2
1.5
2,418
Off Market
636 Greenup St, Covington, KY 41011
0.12
$546,600
3
2.5
2,985
Off Market
728 Garrard St, Covington, KY 41011
0.12
$548,300
3
2
1,951
Off Market
500 Garrard St #5, Covington, KY 41011
0.10
$208,900
1
1.5
964
Off Market
732 Garrard St, Covington, KY 41011
0.14
$650,000
4
3.5
2,365
Recently Sold

Local Information

  • Map ViewExplore the area around 604 Garrard St.
  • Schools1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Home Highlights

Townhouse
Built in 1988
1,760 sqft
$284/sqft
1 Car Garage
HOA $400/mo

About this House

Location, Location, Location! Historic charm that offers 2 off street parking spots, modern amenities, and beautiful water views! This 3 bdrm, 2 bath home is nestled on a picturesque, tree lined street located in the desirable Licking River Historic District. It features beautiful wood floors, updated kitchen and baths, plus 2 full size decks overlooking the Licking River. The home's location is steps away from popular dining spots, cafes, and parks. You won't want to miss this one!
604 Garrard St, Covington, KY 41011 is a 3 bedroom, 3 bathroom, 1,760 sqft townhouse built in 1988. It last sold for $470,000 on Feb 18, 2025 (1% below the $475,000 asking price). This property is not currently displayed as for sale or rent on Trulia. The Trulia Estimate is $499,700, with a rent estimate of $2,444/month.
Last check for updates: about 22 hours ago
Listed by Hillary Justice, (513) 602-1715
Coldwell Banker Realty
Wendy Ruehlmann, (513) 321-9944
Coldwell Banker Realty
Bought with: Kelly Leisring, (859) 445-4862, Huff Realty - CC
Source: NKMLS, MLS#629052

Home Details for 604 Garrard St

Interior Features

Interior Details
Basement: Other,PartialNumber of Rooms: 5Types of Rooms: Primary Bedroom, Bedroom 2, Bedroom 3, Bathroom 2, Bathroom 3, Kitchen, Living Room, Primary Bath
Beds & Baths
Number of Bedrooms: 3Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1
Dimensions and Layout
Living Area: 1760 Square Feet
Appliances & Utilities
Utilities: Cable Available, Natural Gas Available, Sewer AvailableAppliances: Washer/Dryer Stacked, Electric Oven, Dishwasher, Disposal, Microwave, RefrigeratorDishwasherDisposalLaundry: Lower LevelMicrowaveRefrigerator
Heating & Cooling
Heating: Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
Number of Fireplaces: 1Fireplace: InoperableHas a Fireplace
Windows, Doors, Floors & Walls
Window: Wood Frames
Levels, Entrance, & Accessibility
Stories: 3Levels: Three Or More
View
Has a ViewView: River

Exterior Features

Exterior Home Features
Roof: Membrane Metal ShinglePatio / Porch: DeckFoundation: Poured Concrete
Parking & Garage
Number of Garage Spaces: 1Number of Covered Spaces: 1No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Assigned,Attached,Garage,Off Street
Frontage
Road Frontage: City StreetRoad Surface Type: Paved
Water & Sewer
Sewer: Public Sewer

Days on Market

Cumulative Days on Market: 13

Property Information

Year Built
Year Built: 1988
Property Type / Style
Property Type: ResidentialProperty Subtype: Townhouse, ResidentialArchitecture: Transitional
Building
Construction Materials: BrickNot a New ConstructionAttached To Another Structure
Property Information
Condition: Existing StructureParcel Number: 0542326014.00

Price & Status

Price
List Price: $475,000
Status Change & Dates
Off Market Date: Mon Jan 20 2025

Active Status

MLS Status: Sold

Location

Direction & Address
City: Covington
School Information
Elementary School: Sixth District ElementaryJr High / Middle School: Holmes Middle SchoolHigh School: Holmes Senior HighHigh School District: Covington Indep

Building

Building Area
Building Area: 1760 Square Feet

HOA

HOA Fee Includes: Pest Control, Maintenance Grounds, Maintenance Structure, Snow RemovalHas an HOAHOA Fee: $400/Monthly

Lot Information

Lot Area: 3484.8 sqft

Mobile R/V

Mobile Home Park
Mobile Home Units: Feet

Miscellaneous

BasementMls Number: 629052Water ViewWater View: River

Additional Information

HOA Amenities: Landscaping

Price and Tax history

DateEventPrice
Feb 18, 2025
Source: NKMLS #629052
Sold
$470,000
Jan 20, 2025
Source: NKMLS #629052
Pending
$475,000
Jan 17, 2025
Source: NKMLS #629052
PriceChange
$475,000
Price decreased by 4%
Jan 8, 2025
Source: NKMLS #629052
Listed For Sale
$495,000
Apr 24, 2018
Source: N/A
Sold
$300,000

Market trends in Covington

Last updated August 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$230K
Sale-to-List Price
99.7%
0.6%MoM
Price per sq ft
$169
$1MoM
Available listings
207
14MoM

Around this home

What Locals Say about Covington

At least 422 Trulia users voted on each feature.

  • 88 % Say there are sidewalks

  • 87 % Say it's dog friendly

  • 73 % Say car is needed

  • 72 % Say yards are well-kept

  • 66 % Say there's holiday spirit

  • 65 % Say parking is easy

  • 63 % Say kids play outside

  • 58 % Say streets are well-lit

  • 55 % Say neighbors are friendly

  • 53 % Say it's walkable to restaurants

  • 52 % Say people would walk alone at night

  • 52 % Say there's wildlife

  • 50 % Say it's walkable to grocery stores

  • 48 % Say they plan to stay for at least 5 years

  • 37 % Say it's quiet

  • 35 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Khnf6nyf29
    "Dogs are walked, both on sidewalks and alley ways. Done barking dogs in neighborhood and a few coyotes. "
    0
    Flag
  • Drew Woll
    "Close to almost anything in the Cincinnati area. If commute is a top priority this is the cheapest location with the shortest commute. I work 30 mins up north in Springdale which is a 25 mile drive. In 30 mins I could probably make it down to Williamstown, KY. South of MLK Street can be a bit unsafe just fyi."
    0
    Flag
  • Reeds-fuzzier.0l
    "Nice area, very quiet, packages are safe outside.. however not a very minority friendly area. I've lived here for years, neighbors only began to speak/ look me in the face once they seen I had gotten a puppy. "
    0
    Flag
  • Keli Simpson
    "The schools are not the greatest. The sixth district school has been completely remodeled and has air conditioning. There is an FC sponsored soccer pitch close,"
    0
    Flag
  • Htibtani
    "I moved in Covington on year 2000 Started my business and purchase home raised my kids and I’m still here, I love my Covington."
    0
    Flag
  • Asiago Lattimore
    "Probably the traffic sometimes lack of green space. There’s only 1 dog park and it’s near the northern west part of the city. "
    2
    Flag
  • Trulia User
    "It’s safe to live in Kentucky. I enjoy that everything is around me and we have great parks to go to "
    2
    Flag
  • Leanna
    "There's a new dog park right across from Larry's -great vibe neighborhood bar with food! The small dog community is starting to form and it's fun to run into your community friends out and about."
    0
    Flag
  • Leanna
    "There's a new dog park that's becoming a great place to meet people and getting to know your neighbors."
    1
    Flag
  • Trulia User
    "Yes it is very important for them to know everything about it they will know everything about it yes "
    1
    Flag
  • Trulia User
    "I love Latonia I’ve lived here for 47 years Latonia is our home for my daughter and I We love the area I still run in to people I went to kindergarten with A lot is in walking distance "
    0
    Flag
  • Trulia User
    "My mom lives here I visit her very frequently it’s not the nicest place since it’s a low income place people take advantage "
    0
    Flag
  • Trulia User
    "Not much space for pets house are on hills, the streets are horrible and it’s a pain to get around in the winter season "
    2
    Flag
  • Tim
    "LOVE IT I don’t have a dog. We have a pet rabbit, but all that does is make all the neighborhood dogs be quite affectionate. I think at least 75% of residence own a dog. 90% have a pet of some type"
    0
    Flag
  • Marsha B.
    "We have the licking river historic community. Neighborly condo association., farmers market for the community. "
    0
    Flag
  • Kelsie L.
    "There is few grassy spots on walks and the yard space is pretty limited in most areas in town. Great dogs parks nearby as well as devou park for hikes. "
    0
    Flag
  • Jdt.714
    "Some areas are okay, many are sketchy. Not an area to walk alone at night. Petty crime is common. Many folks won’t clean up after their pets."
    22
    Flag
  • Dena H.
    "Oktoberfest Maifest Dog costume parade. There used to be a festival every month during the summer and fall "
    0
    Flag
  • Jmsmith1990
    "trustworthy group of individuals, left packages on our doorstep and none have disappeared. I have borrowed from neighbors and all have been very generous"
    0
    Flag
  • Orlando W.
    "The neighborhood is a dog friendly area and people are very friendly. I like the area for that reason as well. When my grand babies come over I feel safe with them playing out side."
    0
    Flag
  • Skloeker01
    "Schools are improving and there is a general sense of community that has developed strongly over the last 8 to 10 years."
    0
    Flag
  • Debra H.
    "there are 4 buses that I can take to get downtown so if I miss one there are 3 others I can take. it gets me where I need to go"
    6
    Flag
  • Alicia H.
    "Alot of events in the main Strauss area threw out the year. It's known as a German town. Food pubs year around. then festivals Mardi gras ect. It's a beautiful city. any day of the year just for a walk by the river for the view "
    12
    Flag
  • Aaron.henderson33
    "My neighborhood has a great community feel. It’s safe and convenient but still secluded enough to feel private"
    0
    Flag
  • Charles H.
    "All kinds of events put on by the Mainstrasse council during the holidays. Halloween costume contest and animal parades, tree lightings etc"
    0
    Flag
  • Donna
    "Street parties in main Strauss are always fun and family friendly. We’re also close to other towns who throw events. "
    1
    Flag
  • Shelli.rowland
    "I’ve lived here for 10 yrs. we live in the oldest settlement in Covington. The neighbors are kind and we have a great walking neighborhood. "
    15
    Flag
  • TJ
    "It’s been very enjoyable. The neighborhood is quiet and the area is well kept. I have been here for a year and so far so good."
    12
    Flag
  • Lacie H.
    "It’s home to me! I’ve grown up here. The community sticks together, we are one big family. I’m safe here. Positive out-ways the negative."
    2
    Flag
  • Jessezetko
    "great access to TANK services, bus stop around every corner. Uber and Lyft is everywhere for people who can't or don't drive. Not any bad traffic besides when there are crashes on Madison."
    6
    Flag
  • Dan M.
    "A quick and easy access to 75, 71, 74, and 275. The perfect in between location! Downtown is only an 8 minute drive. Uber and Lyft rides downtown are on average about $12. "
    0
    Flag
  • Rob B.
    "There are lots of families moving into the city and the parks and restaurants are wonderful. The city is actively working to improve life for the city’s residents. "
    0
    Flag
  • Daisy W.
    "German heritage, gentrification, goetta fest, may fest, Madison theater, garden tours, biking and walking to work!"
    0
    Flag

LGBTQ Local Legal Protections

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 Zillow, Inc. 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.

Frequently asked questions about 604 Garrard St

  • What is 604 Garrard St estimated to be worth?
    Trulia's estimated value for 604 Garrard St in Covington, KY is $499,700.
  • What is the price history for 604 Garrard St?
    604 Garrard St in Covington, KY last sold for $470,000 in February 2025.
  • Is Covington a buyer's or seller's market?
    Covington is currently a buyer's market, based on recent for-sale activity.
  • What's the median sale price in Covington?
    The median sale price in Covington is $230K. That is roughly unchanged from the prior month.
  • Does 604 Garrard St have air conditioning?
    Yes, 604 Garrard St in Covington, KY has air conditioning.
  • Does 604 Garrard St have laundry facilities?
    Yes, 604 Garrard St in Covington, KY has laundry facilities.

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Off Market Homes Near 604 Garrard St

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