COVID-19 is an infectious and contagious disease caused by the new coronavirus. The total number of cases is over 19 million and continues to grow. A common symptom noticed among COVID-19 patients is lung infection that results in breathlessness, and the lack of essential resources such as testing, oxygen, and ventilators enhances its severity. Chest X-ray can be used to design and develop a COVID-19 detection mechanism for a quicker diagnosis using AI and machine learning techniques. Due to this silver lining, various new COVID-19 detection techniques and prediction models have been introduced in recent times based on chest radiography images. However, due to a high level of unpredictability and the absence of essential data, standard models have showcased low efficiency and also suffer from overheads and complexities. This paper proposes a model fine tuning transfer learning-coronavirus 19 (Ftl-CoV19) for COVID-19 detection through chest X-rays, which embraces the ideas of transfer learning in pretrained VGG16 model with including combination of convolution, max pooling, and dense layer at different stages of model. Ftl-CoV19 reported promising experimental results; it observed training and validation accuracy of 98.82% and 99.27% with precision of 100%, recall of 98%, and F1 score of 99%. These results outperformed other conventional state of arts such as CNN, ResNet50, InceptionV3, and Xception.