Kenton County property record for 3565 Ashford Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · built 2016 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jul 2020) |
| Tax Bill | $4,303 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jul 2020 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-03-115.00 |
| Primary APN | 072-00-03-115.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0720003115.00 |
|---|---|
| Street Address | 3565 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 115 |
| Legal Subdivision | ASHFORD VILLAGE |
| Legal Phase | 8 |
| Legal Lot Number | 115 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 65800 |
Source: Kenton County records · APN 072-00-03-115.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3565 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jul 21, 2020 | Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Mar 21, 2018 | Loan Modification, Mortgage HERITAGE BK/PLESANT VIEW |
| Aug 17, 2017 | Warranty Deed, Subdivision Related Transfer · VA Mortgage AMERICAN MTG SVC |
| Dec 21, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Jun 13, 2016 | Loan Modification, Mortgage HERITAGE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2020 · Amount on Record |
| Deed Sale | Jul 21, 2020 · Amount on Record |
| Prior Sale | Aug 17, 2017 · Amount on Record |
| Deed Document Number | 0000032912 |
| Deed Book / Page | 32 / 912 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3565 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900057 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 389/286 |
| Instrument | 22071505900057 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2020 |
| Property Address | 3565 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Document Number | 0000000198 |
| Book / Page | 000032 / 000912 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 198 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $335.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3565 ASHFORD RD COVINGTON KY 410152440, COVINGTON, KY 41015-2440 |
| Document Number | 199 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 000M72/000103 |
| Instrument | 199 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 20, 2040 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3565 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 04, 2018 |
| Book Page | 0I4088/000223 |
| Instrument | 91 |
| Name | HERITAGE BK/PLESANT VIEW |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Term | 12 Months |
|---|---|
| Due | Apr 03, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 17, 2017 |
| Property Address | 3565 ASHFORD RD, COVINGTON, KY 41015-2440 |
| Document Number | 0000000174 |
| Book / Page | 0I3986 / 000001 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 174 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 04, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $329.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3565 ASHFORD RD COVINGTON KY 410152440, COVINGTON, KY 41015-2440 |
| Document Number | 175 |
|---|---|
| Date | Aug 17, 2017 |
| Book Page | 0I3986/000004 |
| Instrument | 175 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3565 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 05, 2017 |
| Book Page | 0I3881/000297 |
| Instrument | 247 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Term | 12 Months |
|---|---|
| Due | Jan 04, 2018 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3565 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 records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,303.00 (+1.8%) | $370,000 (+10.45%) Land $45,000 Building $325,000 | $370,000 (+10.45%) Land $45,000 Building $325,000 |
| 2023 | $4,227.00 | $335,000 Land $40,000 Building $295,000 | $335,000 Land $40,000 Building $295,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 120 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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