Kenton County property record for 221 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,342 sqft · built 1930 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $219,000 (Feb 2025) |
| Tax Bill | $1,893 (2025) |
| Deeds & Mortgages | Sep 2022 Sale Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-11-10-011.00 |
| Primary APN | 040-11-10-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,342 sqft Finished Area |
| Gross Area | 1,477 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 74 ft deep x 44 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 221 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOTS 119-120 & S 6' LOT 118 |
| Legal Subdivision | FLEMMINGS |
| Legal Phase | 8 |
| Legal Lot Number | 120,11 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 63800 |
221 Montclair Ave is owned and occupied by two individuals who bought it in February 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 221 MONTCLAIR AVE, LUDLOW, KY 41016-1643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 29, 2022 | Warranty Deed, Transfer LAWYERS TITLE, LAWYERS TITLE OF CINCINNATI |
| Nov 5, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Jul 31, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2025 · Amount on File |
| Deed Sale | Feb 17, 2025 · Amount on File |
| Prior Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 202566 |
| Deed Book / Page | 329 / 566 |
| Prior Transfer Date | Aug 18, 2021 |
| Prior Transfer Doc | 0005900183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2022 |
| Property Address | 221 MONTCLAIR AVE, LUDLOW, KY 41016-1643 |
| Document Number | 0005900066 |
| Book / Page | 192 / 343 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 22092905900066 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE OF CINCINNATI |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1121 REDBLUFF DR # 3, 3, DAYTON, OH 45449-3184 |
| Name | Verified Name |
|---|---|
| Address | 3980 KENKEL AVE, CINCINNATI, OH 45211-3344 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 5, 2021 |
| Property Address | 221 MONTCLAIR AVE, LUDLOW, KY 41016-1643 |
| Document Number | 0005900183 |
| Book / Page | 129 / 343 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 21110505900183 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 221 MONTCLAIR ST, LUDLOW, KY 41016-1643 |
| Document Number | 0005900184 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 297/639 |
| Instrument | 21110505900184 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 221 MONTCLAIR ST, LUDLOW, KY 41016-1643 |
| Document Number | 0000000003 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 221 MONTCLAIR ST LUDLOW KY 410161643, LUDLOW, KY 41016-1643 |
| Document Number | 0000000003 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 00M122/000604 |
| Instrument | 3 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Nov 8, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 31, 2018 |
| Property Address | 221 MONTCLAIR ST, LUDLOW, KY 41016-1643 |
| Document Number | 0000000172 |
| Book / Page | 0C6466 / 000001 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 172 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 221 MONTCLAIR ST LUDLOW KY 410161643, LUDLOW, KY 41016-1643 |
| Document Number | 173 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 0C6466/000005 |
| Instrument | 173 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2048 |
| Document Number | 175, |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 0C6466/000019 |
| Instrument | 175 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Jul 30, 2023 |
The 2025 property tax bill for 221 Montclair Ave was $1,893.
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 | $219,000 (+51.03%) Land $15,000 Building $204,000 | $219,000 (+51.03%) Land $15,000 Building $204,000 | |
| 2025 | $1,893.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
| 2023 | $1,866.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Montclair Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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 risk around 221 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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