Kenton County property record for 202 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,830 sqft · built 1900 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Sep 2006) |
| Tax Bill | $1,501 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-13-02-001.00 |
| Primary APN | 040-13-02-001.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,830 sqft Finished Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 202 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOT 195 & PT 194 |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 195,194 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 63800 |
202 Montclair Ave is owned and occupied by an individual who bought it in September 2006.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 202 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| 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.
| Date | Document |
|---|---|
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 25, 2018 | Loan Modification, Mortgage · Conventional Mortgage KENTUCKY HSNG |
| Jul 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2006 · Amount on File |
| Deed Sale | Sep 1, 2006 · Amount on File |
| Deed Document Number | 200609 01 059 00190 |
| Deed Book / Page | 3130 / 108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 202 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900054 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | KCM 686/219 |
| Instrument | 25091105900054 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 30, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 202 MONTCLAIR ST, LUDLOW, KY 41016-1644 |
| Document Number | 0000000195 |
| Instrument Date | Aug 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 202 MONTCLAIR ST LUDLOW KY 410161644, LUDLOW, KY 41016-1644 |
| Document Number | 0000000195 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 0C6489/000114 |
| Instrument | 195 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 216 Months |
| Due | Aug 28, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 202 MONTCLAIR ST, LUDLOW, KY 41016-1644 |
| Document Number | 0000000199 |
| Instrument Date | Jul 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 202 MONTCLAIR ST LUDLOW KY 410161644, LUDLOW, KY 41016-1644 |
| Document Number | 0000000199 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 0C6489/000119 |
| Instrument | 199 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2048 |
The 2025 property tax bill for 202 Montclair Ave was $1,501.
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 | $145,400 (+26.43%) Land $15,000 Building $130,400 | $145,400 (+26.43%) Land $15,000 Building $130,400 | |
| 2025 | $1,501.00 | $115,000 Land $10,000 Building $105,000 | $115,000 Land $10,000 Building $105,000 |
| 2023 | $1,480.00 | $115,000 Land $10,000 Building $105,000 | $115,000 Land $10,000 Building $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 202 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 202 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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