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

Kenton County property record for 209 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,080 sqft · built 1965
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$500 (Feb 2002)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`026-33-15-012.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-15-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,080 sqft Finished Area
Gross Area	1,480 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	125 ft deep x 1 ft wide
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	209 OAK ST
City	LUDLOW
State	KY
Zip	41016-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN LOT 29 & ADJ 8' ALLEY & 1'X 125' PARCEL C 59'X 125'
Legal Subdivision	LUDLOW HELEN
Legal Phase	5
Legal Lot Number	29,23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2007
Census Tract	66900

Owner

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	237 LUDFORD ST, LUDLOW, KY 41016-1363
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Feb 19, 2020	Quit Claim Deed, Transfer AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2002 · Amount on Record
Deed Sale	Feb 4, 2002 · Amount on Record
Last Transfer Date	Jan 24, 2012
Transfer Doc	0005900213
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	209 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000057
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	209 OAK ST LUDLOW KY 410161414, LUDLOW, KY 41016-1414

Mortgage

Document Number	0000000057
Date	Mar 26, 2020
Book Page	000025/000345
Instrument	57

Lender

Name	TRUIST BK
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 25, 2045

Interest

Rate Type	Adjustable Rate

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 19, 2020
Property Address	209 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000120
Book / Page	000008 / 000001
Instrument Date	Feb 14, 2020
Instrument	120
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Tax	$76.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	237 LUDFORD ST LUDLOW KY 410161363, LUDLOW, KY 41016-1363

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
2026		$132,100 (+32.1%) Land $15,000 Building $117,100	$132,100 (+32.1%) Land $15,000 Building $117,100
2025	$1,306.00 (+1.48%)	$100,000 (-) Land $10,000 Building $90,000	$100,000 (-) Land $10,000 Building $90,000
2023	$1,287.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000

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 · 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

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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