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

Kenton County property record for 24 Ash St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 984 sqft · built 1900
Lot Size	0.107 acres (4,675 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2024)
Tax Bill	$2,089 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-11-02-016.00`

Property Details

APN / Parcel Number

Primary APN	`040-11-02-016.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	984 sqft Finished Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	4,675 sqft (0.107 acres)
Lot Dimensions	187 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	24 ASH ST
City	LUDLOW
State	KY
Zip	41016-1564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW ORIG PLAT PT LOT 4 25'X 187' IRREG NS ASH
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	66900

Owner

Source: Kenton County records, as of December 2, 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	24 ASH ST, LUDLOW, KY 41016-1564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Warranty Deed, Transfer · VA Mortgage US BANK NA
Apr 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2024 · Amount on Record
Deed Sale	Feb 2, 2024 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	202455
Deed Book / Page	267 / 942
Prior Transfer Date	Jun 7, 2007
Prior Transfer Doc	0005900125
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2024
Property Address	24 ASH ST, LUDLOW, KY 41016-1564
Document Number	0005900055
Book / Page	KC 267 / 942
Map Reference	PL 148
Instrument Date	Jan 31, 2024
Instrument	24020205900055
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ASH ST, LUDLOW, KY 41016-1564

Mortgage

Document Number	0005900056
Date	Feb 2, 2024
Book Page	KCM 524/59
Instrument	24020205900056

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 21, 2022
Property Address	24 ASH ST, LUDLOW, KY 41016-1564
Document Number	0005900018
Book / Page	161 / 41
Map Reference	PL 148
Instrument Date	Apr 19, 2022
Instrument	22042105900018
Transaction Type	Transfer
Record Updated	May 26, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

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

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 ELM ST, LUDLOW, KY 41016-1547

Mortgage

Document Number	0005900019
Date	Apr 21, 2022
Book Page	363/1
Instrument	22042105900019

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	LOUISVILLE, KY 40207

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 19, 2023

Tax Assessment & Valuation

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
2025	$2,089.00 (+224.88%)	$160,000 (+22%) Land $10,000 Building $150,000	$160,000 (+22%) Land $10,000 Building $150,000
2023	$643.00	$50,000 Land $10,000 Building $40,000	$50,000 Land $10,000 Building $40,000

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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