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  5. Ashford Rd

3595 Ashford Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3595 Ashford Rd, Covington, KY 41015

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · built 2019
Lot Size1.01 acres (44,213 sqft)
Owner2 Individual Names on File
Last Sale$124,000 (Mar 2017)
Tax Bill$5,576 (2025)
Deeds & MortgagesJun 2021 Mortgage
Jul 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN072-00-00-031.06

Property Details

APN / Parcel Number

Primary APN072-00-00-031.06

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStone
Lot Area44,213 sqft (1.01 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address3595 ASHFORD RD
CityCOVINGTON
StateKY
Zip41015-2444
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1.0147 AC AT THE END OF ASHFORD RD KNOWN AS TRACT 2 ON ID PLAT
Legal SubdivisionASHFORD VILLAGE SECTION 7
Legal Tract2
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1020
Census Tract65800

Owner

Source: Kenton County records · APN 072-00-00-031.06

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3595 ASHFORD RD, COVINGTON, KY 41015-2444
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARDIAN SAVINGS BANK
Jul 06, 2018Deed of Trust, Mortgage
GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 29, 2017 · Amount on Record
Deed SaleMar 29, 2017 · Amount on Record
Prior SaleApr 29, 2010 · Amount on Record
Deed Document Number201703 29 059 00168
Deed Book / Page3917 / 313
Record UpdatedSep 20, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3595 ASHFORD RD, COVINGTON, KY 41015-2444
Transaction TypeMortgage
Record UpdatedAug 10, 2022
Title CompanyAGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900251
DateJun 03, 2021
Book Page225/304
Instrument21060305900251
Lender
NameGUARDIAN SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 01, 2036

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3595 ASHFORD RD, COVINGTON, KY 41015-2444
Document Number0000000197
Instrument DateJul 06, 2018
Transaction TypeMortgage
Record UpdatedAug 02, 2018
Title CompanyAGILITY CLOSING AND TITLE SERVICES I

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3595 ASHFORD RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051

Mortgage

Document Number0000000197
DateJul 11, 2018
Book Page0I4132/000047
Instrument197
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
AmountAmount Recorded
Term360 Months
DueJul 10, 2048
Interest
Rate TypeAdjustable Rate
Rate4%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityIndependence City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,576.00 (-7.85%)$479,500 (-) Land $62,000 Building $417,500$479,500 (-) Land $62,000 Building $417,500
2023$6,051.00$479,500 Land $62,000 Building $417,500$479,500 Land $62,000 Building $417,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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