101 Ash St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 101 Ash St, Ludlow, KY 41016

Property Summary

Property TypeOther Improved
Detailsbuilt 1890
Lot Size0.072 acres (3,125 sqft)
Owner2 Individual Names on Record
Last Sale$96,000 (Oct 2006)
Tax Bill$1,044 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN026-33-19-014.00

Property Details

APN / Parcel Number

Primary APN026-33-19-014.00

Interior

Units8 Units
Stories2 Stories

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Lot Area3,125 sqft (0.072 acres)
Lot Dimensions125 ft deep x 25 ft wide

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Street Address101 ASH ST
CityLUDLOW
StateKY
Zip41016-1551
Property CategoryOther
Property TypeOther > Other Improved
Legal DescriptionLUDLOW ORIG PLAT E 1/2 LOT 40 25'X 125' SW COR ASH & LOCUST
Legal SubdivisionLUDLOW ORIGINAL PLAT
Legal Lot Number40
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1005
Census Tract66900

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2549 THIRS DR, VILLA HILLS, KY 41017-1166
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 24, 2006 · Amount on Record
Deed SaleOct 24, 2006 · Amount on Record
Deed Document Number200610 24 059 00244
Deed Book / Page3185 / 280
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address101 ASH ST, LUDLOW, KY 41016-1551
Document Number0000000155
Instrument DateSep 10, 2020
Transaction TypeMortgage
Record UpdatedOct 28, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address101 ASH ST LUDLOW LUDLOW KY 41016, LUDLOW, KY 41016

Mortgage

Document Number0000000155
DateOct 15, 2020
Book Page00M112/000330
Instrument155
Lender
NameFIFTH THIRD BK NA
AddressCINCINNATI, OH 45263
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 14, 2030

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$100,000 (+25%) Land $20,000 Building $80,000$100,000 (+25%) Land $20,000 Building $80,000
2025$1,044.00 (+1.46%)$80,000 (-) Land $15,000 Building $65,000$80,000 (-) Land $15,000 Building $65,000
2023$1,029.00$80,000 Land $15,000 Building $65,000$80,000 Land $15,000 Building $65,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims7 (1978–2014)
Most Recent ClaimJun 2014 · river or lake flooding
Claims by Event
  • Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber
3,000 / 3,000
Spectrum
Cable
1,000 / 1,000
Verizon
Fixed Wireless
300 / 20

May also be available: T-Mobile.

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