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

Kenton County property record for 223 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,236 sqft · built 1920
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Individual Names on File
Last Sale	$191,900 (Aug 2022)
Tax Bill	$2,506 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`026-33-15-007.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-15-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,236 sqft Finished Area
Gross Area	1,844 sqft

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
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	223 OAK ST
City	LUDLOW
State	KY
Zip	41016-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN LOT 32 50'X 125'
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	32
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

223 Oak St is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	223 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
Aug 9, 2022	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on File
Deed Sale	Aug 9, 2022 · Amount on File
Prior Sale	Nov 27, 2019 · Amount on File
Deed Document Number	20220809111
Deed Book / Page	182 / 91
Prior Transfer Date	May 19, 2015
Prior Transfer Doc	0000000211
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2022
Property Address	223 OAK ST, LUDLOW, KY 41016-1414
Document Number	0005900111
Book / Page	182 / 91
Instrument Date	Jul 22, 2022
Instrument	22080905900111
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7530 FOURWINDS DR, 7530, MONTGOMERY, OH 45242-5915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	223 OAK ST, LUDLOW, KY 41016-1414

Mortgage

Document Number	0005900112
Date	Aug 9, 2022
Instrument	22080905900112

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	223 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000175
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 OAK ST LUDLOW KY 410161414, LUDLOW, KY 41016-1414

Mortgage

Document Number	0000000175
Date	Jun 22, 2020
Book Page	000M60/000880
Instrument	175

Lender

Name	HERITAGE BK
Type	Bank
Address	CRESCENT SPRINGS, KY 41017

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 21, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 223 Oak St was $2,506.

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		$191,900 (-) Land $15,000 Building $176,900	$191,900 (-) Land $15,000 Building $176,900
2025	$2,506.00	$191,900 Land $10,000 Building $181,900	$191,900 Land $10,000 Building $181,900
2023	$2,469.00	$191,900 Land $10,000 Building $181,900	$191,900 Land $10,000 Building $181,900

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

Flood

FEMA maps place 223 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 223 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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