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

Kenton County property record for 106 Ash St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,152 sqft · built 1885
Lot Size	0.05 acres (2,160 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Sep 2026)
Tax Bill	$1,501 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-18-017.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-18-017.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,152 sqft Finished Area

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,160 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 24 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	106 ASH ST
City	LUDLOW
State	KY
Zip	41016-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW ORIG PLAT E 24' OF S 1/2 LOT 38 24'X 90' NS ASH 50' W OF LOCUST
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	66900

Owner

106 Ash St is owned and occupied by an individual who bought it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	106 ASH ST, LUDLOW, KY 41016-1562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS
Oct 28, 2022	Deed of Trust, Mortgage CITY OF COVINGTON
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Mar 29, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on File
Deed Sale	Sep 2, 2026 · Amount on File
Prior Sale	Sep 15, 2022 · Amount on File
Deed Document Number	202620235
Deed Book / Page	492 / 730
Prior Transfer Date	Oct 30, 2007
Prior Transfer Doc	0005900240
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 2, 2026
Property Address	106 ASH ST, LUDLOW, KY 41016-1562
Document Number	0000020235
Book / Page	492 / 730
Instrument Date	Aug 31, 2026
Instrument	202620235
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,705.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 ASH ST, LUDLOW, KY 41016-1562

Mortgage

Document Number	0000020236,
Date	Sep 2, 2026
Instrument	2026090220236

Lender

Name	SUCCESS MORTGAGE PARTNERS

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000020237,
Date	Sep 2, 2026
Book Page	492/754
Instrument	202620237

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	106 ASH ST, LUDLOW, KY 41016-1562
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900051
Date	Oct 28, 2022
Book Page	KCM 417/440
Instrument	22102805900051

Lender

Name	CITY OF COVINGTON
Type	Government Agency
Address	COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	119 Months
Due	Sep 6, 2032

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 15, 2022
Property Address	106 ASH ST, LUDLOW, KY 41016-1562
Document Number	0005900131
Book / Page	190 / 272
Map Reference	PL 148
Instrument Date	Sep 9, 2022
Instrument	22091505900131
Transaction Type	Transfer
Record Updated	Sep 30, 2022
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4538 TREEVIEW CT, 4538, BATAVIA, OH 45103-1397

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 ASH ST, LUDLOW, KY 41016-1562

Mortgage

Document Number	0005900132
Date	Sep 15, 2022
Book Page	407/310
Instrument	22091505900132

Lender

Name	ONPOINT HOME LENDING
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	106 ASH ST, LUDLOW, KY 41016-1562
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	AMERICAN HOMELAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900113
Date	Jan 4, 2022
Book Page	321/401
Instrument	22010405900113

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 29, 2019
Property Address	106 ASH ST, LUDLOW, KY 41016-1562
Document Number	0000000146
Book / Page	0C6628 / 000182
Instrument Date	Mar 19, 2019
Instrument	146
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	AMERICAN HOMELAND TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 ASH ST LUDLOW KY 410161562, LUDLOW, KY 41016-1562

Mortgage

Document Number	148
Date	Mar 29, 2019
Book Page	0C6628/000185
Instrument	148

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 106 Ash St was $1,501.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,000 (-) Land $15,000 Building $100,000	$115,000 (-) Land $15,000 Building $100,000
2025	$1,501.00	$115,000 Land $10,000 Building $105,000	$115,000 Land $10,000 Building $105,000
2023	$1,480.00	$115,000 Land $10,000 Building $105,000	$115,000 Land $10,000 Building $105,000

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

Flood

FEMA maps place 106 Ash St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1978–2014)
Most Recent Claim	Jun 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

Wildfire risk around 106 Ash St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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

Provider	Max 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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