201 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 201 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,476 sqft · built 2012
Lot Size	0.142 acres (6,188 sqft)
Owner	2 Individual Names on File
Last Sale	$117,640 (Oct 2018)
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-15-013.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-15-013.00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,476 sqft Finished Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,188 sqft (0.142 acres)
Lot Dimensions	125 ft deep x 49.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	201 OAK ST
City	LUDLOW
State	KY
Zip	41016-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN PT LOTS 23-24-25 49.50'X 125' SWC OAK & CARNEAL SHOWN AS PARCEL A ON ID PLAT
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	23,24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2007
Census Tract	66900

Owner

201 Oak St is owned and occupied by two individuals who bought it in October 2018.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	201 OAK ST, LUDLOW, KY 41016-1414
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on File
Deed Sale	Oct 5, 2018 · Amount on File
Prior Sale	Feb 1, 2002 · Amount on File
Deed Document Number	201810 05 059 00132
Deed Book / Page	6518 / 160
Prior Transfer Date	Feb 9, 2012
Prior Transfer Doc	0005900320
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 5, 2018
Property Address	201 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000132
Book / Page	0C6518 / 000160
Instrument Date	Oct 1, 2018
Instrument	132
Transaction Type	Transfer
Record Updated	Oct 26, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.64
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	201 OAK ST LUDLOW KY 410161414, LUDLOW, KY 41016-1414

Mortgage

Document Number	134
Date	Oct 5, 2018
Book Page	0C6518/000163
Instrument	134

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 201 Oak St was $1,828.

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
2026		$140,000 (-) Land $15,000 Building $125,000	$140,000 (-) Land $15,000 Building $125,000
2025	$1,828.00	$140,000 Land $12,500 Building $127,500	$140,000 Land $12,500 Building $127,500
2023	$1,801.00	$140,000 Land $12,500 Building $127,500	$140,000 Land $12,500 Building $127,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 201 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 201 Oak St 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

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 516 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

May also be available: T-Mobile.

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