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

Kenton County property record for 224 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,168 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jun 2017)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Dec 2023 Transfer Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-14-024.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-14-024.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,168 sqft Finished Area
Gross Area	1,273 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	224 OAK ST
City	LUDLOW
State	KY
Zip	41016-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN PT LOT 19 25'X 125' NS OAK
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	19
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2008
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

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	224 OAK ST, LUDLOW, KY 41016-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Intrafamily Transfer, Transfer
Jun 19, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2017 · Amount on Record
Deed Sale	Jun 19, 2017 · Amount on Record
Prior Sale	Mar 27, 2007 · Amount on Record
Deed Document Number	201706 19 059 00145
Deed Book / Page	6183 / 187
Last Transfer Date	Oct 30, 2023
Transfer Doc	0005900109
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Dec 4, 2023
Property Address	224 OAK ST, LUDLOW, KY 41016-1415
Document Number	0005900109
Book / Page	KC 259 / 460
Instrument Date	Oct 30, 2023
Instrument	23120405900109
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 BAKEWELL ST, COVINGTON, KY 41011-1257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 OAK ST, LUDLOW, KY 41016-1415

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 19, 2017
Property Address	224 OAK ST, LUDLOW, KY 41016-1415
Document Number	0000000145
Book / Page	0C6183 / 000187
Instrument Date	Jun 13, 2017
Instrument	145
Transaction Type	Transfer
Record Updated	Jun 29, 2017
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	$78.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 OAK ST LUDLOW KY 410161415, LUDLOW, KY 41016-1415

Mortgage

Document Number	146
Date	Jun 19, 2017
Book Page	0C6183/000189
Instrument	146

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 18, 2032

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		$130,100 (+8.42%) Land $15,000 Building $115,100	$130,100 (+8.42%) Land $15,000 Building $115,100
2025	$1,567.00 (+1.49%)	$120,000 (-) Land $10,000 Building $110,000	$120,000 (-) Land $10,000 Building $110,000
2023	$1,544.00	$120,000 Land $10,000 Building $110,000	$120,000 Land $10,000 Building $110,000

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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