Kenton County property record for 220 Montclair Ave, Ludlow, KY 41016 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1910 |
| Square Footage | 1,122 sqft Finished Area |
| Lot Size | 3,920 sqft (0.09 acres) |
| Last Sale | $275,000 (2026) |
| Tax Bill | $2,964.00 (2025) |
| Primary APN | 040-13-02-014.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,122 sqft Finished Area |
| Gross Area | 1,507 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Brick Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,920 sqft (0.09 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 220 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1644 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOT 186 & PT 187 |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 186,187 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 63800 |
Source: Kenton County records · APN 040-13-02-014.00
Assessment roll updated December 2, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 655 NELSON PL, NEWPORT, KY 41071-1742 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Widow Or Widower |
| Date | Document |
|---|---|
| Aug 03, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK AND TRUST COMPANY |
| Mar 08, 2024 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Mar 08, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GENEVA FINANCIAL LLC |
| Oct 31, 2023 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 31, 2023 | Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 03, 2026 · Amount on Record |
| Deed Sale | Aug 03, 2026 · Amount on Record |
| Prior Sale | Mar 08, 2024 · Amount on Record |
| Deed Doc Number | 2026080317012 |
| Deed Book / Page | 471 / 379 |
| Prior Transfer Date | Oct 27, 2023 |
| Prior Transfer Doc | 0005900197 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 03, 2026 |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0000017012 |
| Book / Page | 471 / 379 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202617012 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $27,775.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 655 NELSON PL, NEWPORT, KY 41071-1742 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 27, 2026 |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0000010926 |
| Book / Page | 437 / 303 |
| Instrument Date | May 15, 2026 |
| Instrument | 202610926 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0000010926, |
|---|---|
| Date | May 27, 2026 |
| Book Page | 437/303 |
| Instrument | 202610926 |
| Name | STOCK YARDS BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0005900137 |
|---|---|
| Date | Mar 08, 2024 |
| Book Page | KCM 531/647 |
| Instrument | 24030805900137 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSINGS |
| Name | Verified Name |
|---|---|
| Address | 944 MATINEE BLVD 2B, 2B, COLD SPRING, KY 41076-7149 |
| Document Number | 0005900136 |
|---|---|
| Date | Mar 08, 2024 |
| Book Page | KCM 531/626 |
| Instrument | 24030805900136 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85225 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 31, 2023 |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0005900197 |
| Book / Page | KC 254 / 907 |
| Map Reference | PL 81 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 23103105900197 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 252 STOKESAY ST, LUDLOW, KY 41016-1358 |
| Name | Verified Name |
|---|---|
| Address | 1459 SHIREPEAK WAY, INDEPENDENCE, KY 41051-7426 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 31, 2023 |
| Property Address | 220 MONTCLAIR AVE, LUDLOW, KY 41016-1644 |
| Document Number | 0005900197 |
| Book / Page | KC 254 / 907 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 23103105900197 |
| Transaction Type | Transfer |
| Record Updated | Feb 07, 2024 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 252 STOKESAY ST, LUDLOW, KY 41016-1358 |
| Name | Verified Name |
|---|---|
| Address | 1459 SHIREPEAK WAY, INDEPENDENCE, KY 41051-7426 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,964.00 (+195.51%) | $227,000 (+191.03%) Land $10,000 Building $217,000 | $227,000 (+191.03%) Land $10,000 Building $217,000 |
| 2023 | $1,003.00 | $78,000 Land $10,000 Building $68,000 | $78,000 Land $10,000 Building $68,000 |
220 Montclair Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 37th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures