2043 Garrard Street 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.