Kenton County property record for 103 River Rd, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,580 sqft · built 1938 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $46,000 (Mar 2020) |
| Tax Bill | $954 (2025) |
| Deeds & Mortgages | Mar 2020 Sale Dec 2019 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 040-13-00-036.01 |
| Primary APN | 040-13-00-036.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,580 sqft Finished Area |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 103 RIVER RD |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROMWELL & REDMOND ADDN LOTS 65-66 |
| Legal Subdivision | BROMWELL & REDMOND |
| Legal Lot Number | 65-66 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 63800 |
Source: Kenton County records, as of October 20, 2026
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 Record |
|---|---|
| Mailing Address | 103 RIVER RD, LUDLOW, KY 41016-1583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 26, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Oct 16, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2020 · Amount on Record |
| Deed Sale | Mar 24, 2020 · Amount on Record |
| Prior Sale | Dec 26, 2019 · Amount on Record |
| Deed Document Number | 20205900144 |
| Deed Book / Page | 13 / 743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 24, 2020 |
| Property Address | 103 RIVER RD, LUDLOW, KY 41016-1583 |
| Document Number | 0000130743 |
| Book / Page | 000013 / 000743 |
| Instrument Date | Mar 16, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $46.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 RIVER RD LUDLOW KY 410161583, LUDLOW, KY 41016-1583 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 26, 2019 |
| Property Address | 103 RIVER RD, LUDLOW, KY 41016-1583 |
| Document Number | 0000000099 |
| Book / Page | 0C6838 / 000055 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 99 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $38.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1539 WOODBURN AVE COVINGTON KY 410112947, COVINGTON, KY 41011-2947 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 16, 2019 |
| Property Address | 103 RIVER RD, LUDLOW, KY 41016-1583 |
| Document Number | 0000000215 |
| Book / Page | 006779 / 000184 |
| Instrument Date | Oct 7, 2019 |
| Instrument | 215 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $32.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 807 MONROE ST NEWPORT KY 410712062, NEWPORT, KY 41071-2062 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $166,600 (+131.39%) Land $10,000 Building $156,600 | $166,600 (+131.39%) Land $10,000 Building $156,600 | |
| 2025 | $954.00 (-0.52%) | $72,000 (-) Land $10,000 Building $62,000 | $72,000 (-) Land $10,000 Building $62,000 |
| 2023 | $959.00 | $72,000 Land $10,000 Building $62,000 | $72,000 Land $10,000 Building $62,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 471 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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