Kenton County property record for 140 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 868 sqft · built 1972 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (May 2025) |
| Tax Bill | $1,763 (2025) |
| Deeds & Mortgages | Aug 2017 Sale & Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-13-01-006.00 |
| Primary APN | 040-13-01-006.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 868 sqft Finished Area |
| Gross Area | 1,108 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 140 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS PT LOT 200-201 |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 200,201 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 63800 |
140 Montclair Ave is owned and occupied by two individuals who bought it in May 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 140 MONTCLAIR AVE, LUDLOW, KY 41016-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 1, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Jul 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2025 · Amount on File |
| Deed Sale | May 12, 2025 · Amount on File |
| Prior Sale | Dec 9, 2024 · Amount on File |
| Deed Document Number | 202535 |
| Deed Book / Page | 342 / 410 |
| Prior Transfer Date | Oct 11, 2024 |
| Prior Transfer Doc | 0005900038 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 1, 2017 |
| Property Address | 140 MONTCLAIR ST, LUDLOW, KY 41016-1642 |
| Document Number | 0000000002 |
| Book / Page | 006214 / 000146 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 2 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $81.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 140 MONTCLAIR ST LUDLOW KY 410161642, LUDLOW, KY 41016-1642 |
| Document Number | 3 |
|---|---|
| Date | Aug 1, 2017 |
| Book Page | 006214/000149 |
| Instrument | 3 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45245 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 140 MONTCLAIR ST, LUDLOW, KY 41016-1642 |
| Document Number | 0000000107 |
| Instrument Date | Jul 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 140 MONTCLAIR ST LUDLOW KY 410161642, LUDLOW, KY 41016-1642 |
| Document Number | 0000000107 |
|---|---|
| Date | Aug 7, 2017 |
| Book Page | 0C6218/000325 |
| Instrument | 107 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 6, 2022 |
The 2025 property tax bill for 140 Montclair Ave was $1,763.
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 | $200,000 (+48.15%) Land $15,000 Building $185,000 | $200,000 (+48.15%) Land $15,000 Building $185,000 | |
| 2025 | $1,763.00 | $135,000 Land $10,000 Building $125,000 | $135,000 Land $10,000 Building $125,000 |
| 2023 | $1,222.00 | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 140 Montclair Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 140 Montclair Ave is low, with a 0.01% annual chance of 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 | 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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