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

Kenton County property record for 23 Ash St, Ludlow, KY 41016

Property Summary

Property Type	Other Improved
Details	2,352 sqft · built 1880
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on File
Last Sale	$87,000 (Jul 2020)
Tax Bill	$1,697 (2025)
Deeds & Mortgages	Jan 2021 Sale Jul 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-11-03-011.00`

Property Details

APN / Parcel Number

Primary APN	`040-11-03-011.00`

Interior

Units	6 Units
Stories	2 Stories
Building Area	2,352 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	23 ASH ST
City	LUDLOW
State	KY
Zip	41016-1521
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LUDLOW ORIG PLAT W 1/2 LOT 72 25'X 125'
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	72
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2001
Census Tract	66900

Owner

23 Ash St is owned by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	7414 FLINTSHIRE DR, ALEXANDRIA, KY 41001-8151
Owner Type	Individual

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
Jan 5, 2021	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Jul 31, 2020	Warranty Deed, Transfer COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC
Sep 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2020 · Amount on File
Deed Sale	Jul 31, 2020 · Amount on File
Deed Document Number	20205900041
Deed Book / Page	34 / 747
Prior Transfer Date	Aug 30, 2018
Prior Transfer Doc	0005900005
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 5, 2021
Property Address	23 ASH ST, LUDLOW, KY 41016-1521
Document Number	0000000158
Book / Page	000064 / 000273
Instrument Date	Dec 14, 2020
Instrument	158
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7414 FLINTSHIRE DR ALEXANDRIA KY 410018151, ALEXANDRIA, KY 41001-8151

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2020
Property Address	23 ASH ST, LUDLOW, KY 41016-1521
Document Number	0000000041
Book / Page	000034 / 000747
Instrument Date	Jun 27, 2020
Instrument	41
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transaction

Amount	Amount on Record
Tax	$87.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ASH ST LUDLOW KY 410161521, LUDLOW, KY 41016-1521

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 5, 2018
Property Address	23 ASH ST, LUDLOW, KY 41016-1521
Document Number	0000000005
Book / Page	0C6493 / 000139
Instrument Date	Aug 30, 2018
Instrument	5
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	112 LAKE TERRY DR WEST PALM BEACH FL 334119235, WEST PALM BEACH, FL 33411-9235

Tax Assessment & Valuation

The 2025 property tax bill for 23 Ash St was $1,697.

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		$160,000 (+23.08%) Land $20,000 Building $140,000	$160,000 (+23.08%) Land $20,000 Building $140,000
2025	$1,697.00	$130,000 Land $15,000 Building $115,000	$130,000 Land $15,000 Building $115,000
2023	$1,673.00 (+0.9%)	$130,000 (-) Land $15,000 Building $115,000	$130,000 (-) Land $15,000 Building $115,000
2022	$1,658.00	$130,000 Land $15,000 Building $115,000	$130,000 Land $15,000 Building $115,000

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

Flood

FEMA maps place 23 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	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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 23 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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