Kenton County property record for 3548 Ashford Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,331 sqft · built 2015 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,000 (Dec 2018) |
| Tax Bill | $4,129 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-03-192.00 |
| Primary APN | 072-00-03-192.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,331 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3548 ASHFORD RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2442 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHFORD VILLAGE SEC 8 LOT 192 |
| Legal Subdivision | ASHFORD VILLAGE |
| Legal Phase | 8 |
| Legal Lot Number | 192 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 65800 |
3548 Ashford Rd is owned and occupied by an individual who bought it in December 2018.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Dec 6, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Dec 26, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK |
| Dec 21, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Jun 13, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on File |
| Deed Sale | Dec 26, 2018 · Amount on File |
| Prior Sale | Dec 26, 2018 · Amount on File |
| Deed Document Number | 201812 26 059 00246 |
| Deed Book / Page | 4209 / 26 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Document Number | 0000000014 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 3548 ASHFORD RD COVINGTON KY 410152442, COVINGTON, KY 41015-2442 |
| Document Number | 0000000014 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 00M125/000285 |
| Instrument | 14 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 12, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Document Number | 0000000123 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 3548 ASHFORD RD COVINGTON KY 410152442, COVINGTON, KY 41015-2442 |
| Document Number | 0000000123 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 0I4378/000016 |
| Instrument | 123 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 11, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 26, 2018 |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Document Number | 0C65700193 |
| Book / Page | 0C6570 / 000193 |
| Instrument Date | Dec 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $263.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3548 ASHFORD RD COVINGTON KY 410152442, COVINGTON, KY 41015-2442 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 26, 2018 |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Book / Page | 0I4209 / 000026 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 249 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $263.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3548 ASHFORD RD COVINGTON KY 410152442, COVINGTON, KY 41015-2442 |
| Document Number | 0000000249 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 0I4209/000029 |
| Instrument | 249 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 25, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Document Number | 0000000247 |
| Instrument Date | Dec 21, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8080 STEILEN DR FLORENCE KY 410429641, FLORENCE, KY 41042-9641 |
| Document Number | 0000000247 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 0I3881/000297 |
| Instrument | 247 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Term | 12 Months |
|---|---|
| Due | Jan 4, 2018 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3548 ASHFORD RD, COVINGTON, KY 41015-2442 |
| Document Number | 0000000147 |
| Instrument Date | Jun 13, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8080 STEILEN DR FLORENCE KY 410429641, FLORENCE, KY 41042-9641 |
| Document Number | 0000000147 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 0I4124/000327 |
| Instrument | 147 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Term | 12 Months |
|---|---|
| Due | Jun 25, 2019 |
The 2025 property tax bill for 3548 Ashford Rd was $4,129.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $355,100 (-) Land $45,000 Building $310,100 | $355,100 (-) Land $45,000 Building $310,100 | |
| 2025 | $4,129.00 | $355,100 Land $45,000 Building $310,100 | $355,100 Land $45,000 Building $310,100 |
| 2023 | $3,319.00 | $263,000 Land $40,000 Building $223,000 | $263,000 Land $40,000 Building $223,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3548 Ashford Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3548 Ashford Rd is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 75 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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