3590 Ashford Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3590 Ashford Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,010 sqft · built 2014
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$439,900 (Jul 2025)
Tax Bill	$3,704 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-275.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-275.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,010 sqft Finished Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Basement
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	3590 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 275
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	7
Legal Lot Number	275
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	65800

Owner

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	Individual Name on Record
Mailing Address	420 JAMES AVE, ERLANGER, KY 41018-1635
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Jun 25, 2014 · Amount on Record
Deed Document Number	2025195
Deed Book / Page	350 / 258
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 1, 2025
Property Address	3590 ASHFORD RD, COVINGTON, KY 41015-2443
Document Number	0005900195
Book / Page	KC 350 / 258
Map Reference	MB I-1202 PG 52
Instrument Date	Jun 27, 2025
Instrument	25070105900195
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3590 ASHFORD RD, COVINGTON, KY 41015-2443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 JAMES AVE, ERLANGER, KY 41018-1635

Mortgage

Document Number	0005900196
Date	Jul 1, 2025
Instrument	25070105900196

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2040

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3590 ASHFORD RD, COVINGTON, KY 41015-2443
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900043
Date	Jul 8, 2021
Book Page	239/430
Instrument	21070805900043

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

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		$439,900 (+38.12%) Land $45,000 Building $394,900	$439,900 (+38.12%) Land $45,000 Building $394,900
2025	$3,704.00 (+16.33%)	$318,500 (+26.24%) Land $45,000 Building $273,500	$318,500 (+26.24%) Land $45,000 Building $273,500
2023	$3,184.00	$252,300 Land $40,000 Building $212,300	$252,300 Land $40,000 Building $212,300

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

Flood

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

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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