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

Kenton County property record for 20 Ash St, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,574 sqft · built 1920
Lot Size	0.203 acres (8,847 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Mar 2023)
Tax Bill	$2,873 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`040-11-02-018.00`

Property Details

APN / Parcel Number

Primary APN	`040-11-02-018.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,574 sqft Finished Area
Gross Area	1,919 sqft

Exterior

Year Built	Built 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	8,847 sqft
Lot Dimensions	177 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0401102018.00
Street Address	20 ASH ST
City	LUDLOW
State	KY
Zip	41016-1564
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LUDLOW ORIG PLAT PT LOT 3 50'X 177' IRREG
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	66900

Owner

Source: Kenton County records, as of November 27, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	20 ASH ST, LUDLOW, KY 41016-1564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Warranty Deed, Transfer · FHA Mortgage WRIGHT-PATT CREDIT UNION INC
Apr 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2023 · Amount on Record
Deed Sale	Mar 6, 2023 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	0000216180
Deed Book / Page	216 / 180
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 6, 2023
Property Address	20 ASH ST, LUDLOW, KY 41016-1564
Document Number	0005900029
Book / Page	KC 216 / 180
Instrument Date	Mar 3, 2023
Instrument	23030605900029
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1239 GRACE AVE, CINCINNATI, OH 45208-2928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ASH ST, LUDLOW, KY 41016-1564

Mortgage

Document Number	0005900030
Date	Mar 6, 2023
Instrument	23030605900030

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 29, 2022
Property Address	20 ASH ST, LUDLOW, KY 41016-1564
Document Number	0005900212
Book / Page	162 / 655
Instrument Date	Apr 29, 2022
Instrument	22042905900212
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 ASH ST, LUDLOW, KY 41016-1564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1239 GRACE AVE, CINCINNATI, OH 45208-2928
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,873.00 (+209.92%)	$220,000 (+205.13%) Land $10,000 Building $210,000	$220,000 (+205.13%) Land $10,000 Building $210,000
2023	$927.00	$72,100 Land $10,000 Building $62,100	$72,100 Land $10,000 Building $62,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 100 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

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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