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

Kenton County property record for 219 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,355 sqft · built 1920
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$67,000 (Oct 2018)
Tax Bill	$1,110 (2025)
Deeds & Mortgages	Oct 2018 Sale Nov 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`026-33-15-008.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-15-008.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,355 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	219 OAK ST
City	LUDLOW
State	KY
Zip	41016-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN LOT 31 50'X 125'
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	31
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2007
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Ludlow Historic District listed 1984 · 343 contributing resources · NRIS 84000526

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

219 Oak St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	219 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

Date	Document
Oct 16, 2018	Warranty Deed, Transfer OTHER
Nov 3, 2017	Quit Claim Deed, Construction Loan · Construction Mortgage ROI STRATEGIES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	Oct 26, 1998 · Amount on File
Deed Document Number	201810 16 059 00222
Deed Book / Page	6524 / 244
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2018
Property Address	219 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000222
Book / Page	0C6524 / 000244
Instrument Date	Oct 12, 2018
Instrument	222
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$67.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 OAK ST LUDLOW KY 410161414, LUDLOW, KY 41016-1414

November 2017: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Nov 3, 2017
Property Address	219 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000191
Book / Page	0C6287 / 000210
Instrument Date	Nov 2, 2017
Instrument	191
Transaction Type	Construction Loan
Record Updated	Jan 5, 2018
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21366 XANADU LN LAWRENCEBURG IN 470258161, LAWRENCEBURG, IN 47025-8161

Mortgage

Document Number	192
Date	Nov 3, 2017
Book Page	0C6313/000325
Instrument	192

Lender

Name	ROI STRATEGIES
Address	5440 LOUIE LN # 106, RENO, NV 89511-1843

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 2, 2018

Interest

Rate	1%

Tax Assessment & Valuation

The 2025 property tax bill for 219 Oak St was $1,110.

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		$141,000 (+65.88%) Land $15,000 Building $126,000	$141,000 (+65.88%) Land $15,000 Building $126,000
2025	$1,110.00	$85,000 Land $10,000 Building $75,000	$85,000 Land $10,000 Building $75,000
2023	$1,093.00	$85,000 Land $10,000 Building $75,000	$85,000 Land $10,000 Building $75,000

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

Flood

FEMA maps place 219 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 219 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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