Kenton County property record for 3549 Ashford Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · built 2016 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $336,740 (Dec 2016) |
| Tax Bill | $3,516 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-03-111.00 |
| Primary APN | 072-00-03-111.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3549 ASHFORD RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHFORD VILLAGE SEC 8 LOT 111 |
| Legal Subdivision | ASHFORD VILLAGE |
| Legal Phase | 8 |
| Legal Lot Number | 111 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 65800 |
Source: Kenton County records, as of October 20, 2026
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 | 3549 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BK |
| Mar 21, 2018 | Loan Modification, Mortgage HERITAGE BK/PLESANT VIEW |
| Dec 21, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Jun 13, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2016 · Amount on Record |
| Deed Sale | Dec 13, 2016 · Amount on Record |
| Prior Sale | Aug 17, 2016 · Amount on Record |
| Deed Document Number | 201612 13 059 00032 |
| Deed Book / Page | 3869 / 276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3549 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Document Number | 000M960705 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3549 ASHFORD RD COVINGTON KY 410152440, COVINGTON, KY 41015-2440 |
| Document Number | 000M960705 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 000M96/000705 |
| Name | COMMONWEALTH BK |
|---|---|
| Type | Bank |
| Address | FLORENCE, KY 41042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 10, 2030 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3549 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Document Number | 0000000091 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8080 STEILEN DR FLORENCE KY 410429641, FLORENCE, KY 41042-9641 |
| Document Number | 0000000091 |
|---|---|
| Date | Apr 4, 2018 |
| Book Page | 0I4088/000223 |
| Instrument | 91 |
| Name | HERITAGE BK/PLESANT VIEW |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Term | 12 Months |
|---|---|
| Due | Apr 3, 2019 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3549 ASHFORD RD, COVINGTON, KY 41015-2440 |
| 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 | 3549 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Document Number | 0000000147 |
| Instrument Date | Jun 13, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 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 |
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 | $351,500 (-) Land $45,000 Building $306,500 | $351,500 (-) Land $45,000 Building $306,500 | |
| 2025 | $3,516.00 (-4.01%) Homeowner's exemption | $351,500 (+4.4%) Land $45,000 Building $306,500 | $351,500 (+4.4%) Land $45,000 Building $306,500 |
| 2023 | $3,663.00 Homeowner's exemption | $336,700 Land $37,700 Building $299,000 | $336,700 Land $37,700 Building $299,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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