Kenton County property record for 45 Ash St, Ludlow, KY 41016 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1920 |
| Square Footage | 1,940 sqft Finished Area |
| Lot Size | 3,125 sqft (0.072 acres) |
| Last Sale | $163,000 (2024) |
| Tax Bill | $2,128.00 (2025) |
| Primary APN | 040-11-03-004.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,940 sqft Finished Area |
| Stories | 2 Stories |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,125 sqft (0.072 acres) |
| Depth X Width | 125 ft x 25 ft Depth x Width |
| Cooling System | Wall Unit Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 45 ASH ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1563 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LUDLOW ORIG PLAT E 1/2 LOT 78 25'X 125' |
| Legal Subdivision | LUDLOW ORIGINAL PLAT |
| Legal Lot Number | 78 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 66900 |
Source: Kenton County records · APN 040-11-03-004.00
Assessment roll updated December 2, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4020 DENNY LN, UNION, KY 41091-7551 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 14, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDLAND MORTGAGE |
| Apr 23, 2024 | Deed of Trust, Mortgage · Line of Credit HOMEXPRESS MORTGAGE CORP |
| Jan 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on Record |
| Deed Sale | Jan 16, 2024 · Amount on Record |
| Prior Sale | Sep 27, 2012 · Amount on Record |
| Deed Doc Number | 20246 |
| Deed Book / Page | 265 / 258 |
| Prior Transfer Date | Aug 01, 2012 |
| Prior Transfer Doc | 0005900094 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 45 ASH ST, LUDLOW, KY 41016-1563 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 45 ASH ST, LUDLOW, KY 41016-1563 |
| Document Number | 0005900078 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 361/55 |
| Instrument | 22041405900078 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 45 ASH ST, LUDLOW, KY 41016-1563 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4020 DENNY LN, UNION, KY 41091-7551 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900013 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | KCM542/647 |
| Instrument | 24042305900013 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 1936 E DEERE AVE STE 200, SANTA ANA, CA 92705 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 16, 2024 |
| Property Address | 45 ASH ST, LUDLOW, KY 41016-1563 |
| Document Number | 0005900006 |
| Book / Page | KC 265 / 258 |
| Map Reference | PL 148 |
| Instrument Date | Jan 11, 2024 |
| Instrument | 24011605900006 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 623 SAINT JOSEPH LN, PARK HILLS, KY 41011-3811 |
| Name | Verified Name |
|---|---|
| Address | 4020 DENNY LN, UNION, KY 41091-7551 |
| Document Number | 0005900007 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 24011605900007 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 11, 2025 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent 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 | $2,128.00 (+6.72%) | $163,000 (+5.16%) Land $10,000 Building $153,000 | $163,000 (+5.16%) Land $10,000 Building $153,000 |
| 2023 | $1,994.00 | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
45 Ash St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 5th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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