210 Davies St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 210 Davies St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,134 sqft · built 1920
Lot Size	0.007 acres (300 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Mar 2019)
Tax Bill	$1,240 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-10-011.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-10-011.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,134 sqft Finished Area
Gross Area	1,398 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	300 sqft (0.007 acres)
Lot Dimensions	75 ft deep x 4 ft wide
Garage Type	Attached
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	210 DAVIES ST
City	LUDLOW
State	KY
Zip	41016-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R SE PT LOT 51 38 3,4'X 75' WS DAVIES 86 1,4' S OAK
Legal Subdivision	KENNER GEO R
Legal Lot Number	51
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2023
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	Individual Name on Record
Mailing Address	210 DAVIES ST, LUDLOW, KY 41016-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 25, 2019	Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2019 · Amount on Record
Deed Sale	Mar 25, 2019 · Amount on Record
Deed Document Number	201903 25 059 00262
Deed Book / Page	6624 / 255
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	210 DAVIES ST, LUDLOW, KY 41016-1405
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900077
Date	Apr 19, 2021
Book Page	203/264
Instrument	21041905900077

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 25, 2019
Property Address	210 DAVIES ST, LUDLOW, KY 41016-1405
Document Number	0000000262
Book / Page	0C6624 / 000255
Instrument Date	Mar 19, 2019
Instrument	262
Transaction Type	Transfer
Record Updated	Apr 5, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 DAVIES ST LUDLOW KY 410161405, LUDLOW, KY 41016-1405

Mortgage

Document Number	263
Date	Mar 25, 2019
Book Page	0C6624/000258
Instrument	263

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

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		$142,200 (+49.68%) Land $15,000 Building $127,200	$142,200 (+49.68%) Land $15,000 Building $127,200
2025	$1,240.00 (+60.62%)	$95,000 (+58.33%) Land $10,000 Building $85,000	$95,000 (+58.33%) Land $10,000 Building $85,000
2023	$772.00	$60,000 Land $10,000 Building $50,000	$60,000 Land $10,000 Building $50,000

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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