3576 Ashford Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3576 Ashford Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,390 sqft · built 2013
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Jun 2020)
Tax Bill	$4,354 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Apr 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-272.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-272.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,390 sqft Finished Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	3576 ASHFORD RD
City	COVINGTON
State	KY
Zip	41015-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHFORD VILLAGE SEC 7 LOT 272
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	7
Legal Lot Number	272
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	65800

Owner

3576 Ashford Rd is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3576 ASHFORD RD, COVINGTON, KY 41015-2443
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Warranty Deed, Transfer · Conventional with PMI VICTORY MTG
Apr 15, 2019	Warranty Deed, Transfer · Line of Credit KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Prior Sale	Apr 15, 2019 · Amount on File
Deed Document Number	20205900023
Deed Book / Page	26 / 910
Prior Transfer Date	Apr 9, 2019
Prior Transfer Doc	0000000139
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 18, 2020
Property Address	3576 ASHFORD RD, COVINGTON, KY 41015-2443
Document Number	0000000023
Book / Page	000026 / 000910
Instrument Date	Jun 12, 2020
Instrument	23
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3576 ASHFORD RD COVINGTON KY 410152443, COVINGTON, KY 41015-2443

Mortgage

Document Number	24
Date	Jun 18, 2020
Book Page	000M59/000326
Instrument	24

Lender

Name	VICTORY MTG
Type	Mortgage Company
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2019
Property Address	3576 ASHFORD RD, COVINGTON, KY 41015-2443
Document Number	0000000139
Book / Page	0I4250 / 000126
Instrument Date	Apr 9, 2019
Instrument	139
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3576 ASHFORD RD COVINGTON KY 410152443, COVINGTON, KY 41015-2443

Mortgage

Document Number	141
Date	Apr 15, 2019
Book Page	00I425/000148
Instrument	141

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 14, 2029

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	140,
Date	Apr 15, 2019
Book Page	0I4250/000129
Instrument	140

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3576 Ashford Rd was $4,354.

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		$374,400 (-) Land $45,000 Building $329,400	$374,400 (-) Land $45,000 Building $329,400
2025	$4,354.00	$374,400 Land $45,000 Building $329,400	$374,400 Land $45,000 Building $329,400
2023	$3,495.00	$277,000 Land $40,000 Building $237,000	$277,000 Land $40,000 Building $237,000

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

Flood

FEMA maps place 3576 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 3576 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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