Kenton County property record for 134 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,624 sqft · built 1920 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,000 (Oct 2021) |
| Tax Bill | $2,115 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-13-01-004.00 |
| Primary APN | 040-13-01-004.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Finished Area |
| Gross Area | 1,780 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Lot Dimensions | 100 ft deep x 20 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 134 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOT 203 & PT 202 & 20'X 100' PT OF A STREET |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 203,202 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 | 134 MONTCLAIR AVE, LUDLOW, KY 41016-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Oct 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 12, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on Record |
| Deed Sale | Oct 29, 2021 · Amount on Record |
| Prior Sale | Sep 25, 2008 · Amount on Record |
| Deed Document Number | 20215900239 |
| Deed Book / Page | 127 / 718 |
| Prior Transfer Date | Apr 3, 2006 |
| Prior Transfer Doc | 0005900069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 134 MONTCLAIR AVE, LUDLOW, KY 41016-1642 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900132 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 316/247 |
| Instrument | 21122105900132 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | NAPLES, FL 34101 |
| Amount | Amount Recorded |
|---|---|
| Term | 58 Months |
| Due | Oct 21, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 29, 2021 |
| Property Address | 134 MONTCLAIR AVE, LUDLOW, KY 41016-1642 |
| Document Number | 0005900239 |
| Book / Page | 127 / 718 |
| Map Reference | PL 81 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 21102905900239 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9720 SWEETWATER LN, ALEXANDRIA, KY 41001-2505 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 134 MONTCLAIR ST, LUDLOW, KY 41016-1642 |
| Document Number | 0005900240 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 293/225 |
| Instrument | 21102905900240 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 134 MONTCLAIR ST, LUDLOW, KY 41016-1642 |
| Document Number | 0000000057 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 134 MONTCLAIR ST LUDLOW KY 410161642, LUDLOW, KY 41016-1642 |
| Document Number | 0000000057 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 000M73/000658 |
| Instrument | 57 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 26, 2045 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $165,000 (+1.85%) Land $15,000 Building $150,000 | $165,000 (+1.85%) Land $15,000 Building $150,000 | |
| 2025 | $2,115.00 (+1.49%) | $162,000 (-) Land $10,000 Building $152,000 | $162,000 (-) Land $10,000 Building $152,000 |
| 2023 | $2,084.00 | $162,000 Land $10,000 Building $152,000 | $162,000 Land $10,000 Building $152,000 |
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 minimal risk |
|---|---|
| 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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