3561 Ashford Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3561 Ashford Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · built 2015
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2022)
Tax Bill	$3,790 (2025)
Deeds & Mortgages	Mar 2022 Sale Dec 2016 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-114.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-114.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3561 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 114
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	8
Legal Lot Number	114
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1025
Census Tract	65800

Owner

3561 Ashford Rd is owned and occupied by two individuals who bought it in March 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3561 ASHFORD RD, COVINGTON, KY 41015-2440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2022	Warranty Deed, Transfer NORTHWEST TTL FAM OF COMPANI
Dec 21, 2016	Loan Modification, Mortgage HERITAGE BK
Jun 13, 2016	Loan Modification, Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Prior Sale	Aug 13, 2015 · Amount on File
Deed Document Number	202222
Deed Book / Page	151 / 135
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 3, 2022
Property Address	3561 ASHFORD RD, COVINGTON, KY 41015-2440
Document Number	0005900022
Book / Page	151 / 135
Map Reference	SL A-722
Instrument Date	Feb 28, 2022
Instrument	22030305900022
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount 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
Relationship	Family Trust
Address	3561 ASHFORD RD, COVINGTON, KY 41015-2440

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	3561 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

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 STEILEN DR FLORENCE KY 410429641, FLORENCE, KY 41042-9641

Mortgage

Document Number	0000000247
Date	Jan 5, 2017
Book Page	0I3881/000297
Instrument	247

Lender

Name	HERITAGE BK
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Term	12 Months
Due	Jan 4, 2018

June 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	3561 ASHFORD RD, COVINGTON, KY 41015-2440
Document Number	0000000147
Instrument Date	Jun 13, 2016
Transaction Type	Mortgage
Record Updated	Jul 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8080 STEILEN DR FLORENCE KY 410429641, FLORENCE, KY 41042-9641

Mortgage

Document Number	0000000147
Date	Jun 26, 2018
Book Page	0I4124/000327
Instrument	147

Lender

Name	HERITAGE BK
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Term	12 Months
Due	Jun 25, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 3561 Ashford Rd was $3,790 with a homeowner's exemption.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$375,000 (-) Land $45,000 Building $330,000	$375,000 (-) Land $45,000 Building $330,000
2025	$3,790.00 Homeowner's exemption	$375,000 Land $45,000 Building $330,000	$375,000 Land $45,000 Building $330,000
2023	$4,732.00	$375,000 Land $40,000 Building $335,000	$375,000 Land $40,000 Building $335,000

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

Flood

FEMA maps place 3561 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

Wildfire risk around 3561 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.

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 120 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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