1206 Forest Ave, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 1206 Forest Ave, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,354 sqft · built 1941
Lot Size	0.1 acres (4,345 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (May 2020)
Tax Bill	$1,391 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-30-01-020.09`

Property Details

APN / Parcel Number

Primary APN	`040-30-01-020.09`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,354 sqft Finished Area
Gross Area	1,438 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Combination
Foundation Type	Stone
Roof Material	Metal
Lot Area	4,345 sqft (0.1 acres)
Lot Dimensions	110 ft deep x 39.5 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1206 FOREST AVE
City	LUDLOW
State	KY
Zip	41016-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITAKER & HAYMAN LOT 8 & PT LOT 7 39.5X110'
Legal Subdivision	WHITAKER & HAYMAN
Legal Lot Number	8,7
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1015
Census Tract	63800

Owner

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	Individual Name on Record
Mailing Address	1206 FOREST AVE, LUDLOW, KY 41016-1615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jun 20, 2017	Warranty Deed, Transfer · Conventional with PMI CINCINNATI FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2020 · Amount on Record
Deed Sale	May 4, 2020 · Amount on Record
Prior Sale	Jun 20, 2017 · Amount on Record
Deed Document Number	20205900024
Deed Book / Page	19 / 305
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 4, 2020
Property Address	1206 FOREST AVE, LUDLOW, KY 41016-1615
Document Number	0000000024
Book / Page	000019 / 000305
Instrument Date	Apr 29, 2020
Instrument	24
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 FOREST AVE LUDLOW KY 410161615, LUDLOW, KY 41016-1615

Mortgage

Document Number	25
Date	May 4, 2020
Book Page	000M39/000803
Instrument	25

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 20, 2017
Property Address	1206 FOREST AVE, LUDLOW, KY 41016-1615
Document Number	0000000179
Book / Page	0C6185 / 000047
Instrument Date	Jun 12, 2017
Instrument	179
Transaction Type	Transfer
Record Updated	Jun 29, 2017
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 FOREST AVE LUDLOW KY 410161615, LUDLOW, KY 41016-1615

Mortgage

Document Number	180
Date	Jun 20, 2017
Book Page	0C6185/000050
Instrument	180

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$121,000 (+15.24%) Land $10,000 Building $111,000	$121,000 (+15.24%) Land $10,000 Building $111,000
2025	$1,391.00 (-0.5%)	$105,000 (-) Land $5,000 Building $100,000	$105,000 (-) Land $5,000 Building $100,000
2023	$1,398.00	$105,000 Land $5,000 Building $100,000	$105,000 Land $5,000 Building $100,000

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	Direct burnable vegetation

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 248 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

May also be available: T-Mobile, Verizon.

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