2 Alberta St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 2 Alberta St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,149 sqft · built 1952
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Jul 2023)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-14-03-010.00`

Property Details

APN / Parcel Number

Primary APN	`040-14-03-010.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,149 sqft Finished Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2 ALBERTA ST
City	LUDLOW
State	KY
Zip	41016-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLEMMINGS LOTS 278-279
Legal Subdivision	FLEMMINGS
Legal Lot Number	278-279
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	63800

Owner

Source: Kenton County records, as of December 2, 2025

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	2 ALBERTA ST, COVINGTON, KY 41016-1602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Jan 13, 1999 · Amount on Record
Deed Document Number	2023195
Deed Book / Page	238 / 481
Prior Transfer Date	Jul 18, 2018
Prior Transfer Doc	0000000250
Record Updated	Jun 8, 2026

August 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2018
Property Address	2 ALBERTA ST, LUDLOW, KY 41016-1602
Document Number	0000000250
Book / Page	0C6474 / 000284
Instrument Date	Jul 18, 2018
Instrument	250
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ALBERTA ST COVINGTON KY 410161602, COVINGTON, KY 41016-1602

Mortgage

Document Number	251
Date	Aug 9, 2018
Book Page	0C6474/000288
Instrument	251

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,763.00 (+1.5%)	$135,000 (-) Land $10,000 Building $125,000	$135,000 (-) Land $10,000 Building $125,000
2023	$1,737.00	$135,000 Land $10,000 Building $125,000	$135,000 Land $10,000 Building $125,000

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	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.

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 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