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

Kenton County property record for 226 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,053 sqft · built 1910
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Aug 2020)
Tax Bill	$2,011 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-14-025.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-14-025.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,053 sqft Finished Area
Gross Area	2,093 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	226 OAK ST
City	LUDLOW
State	KY
Zip	41016-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN E 1/2 LOT 18
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	18
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 File
Mailing Address	226 OAK ST, LUDLOW, KY 41016-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS
Mar 9, 2017	Warranty Deed, Transfer NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Prior Sale	Jul 25, 2005 · Amount on File
Deed Document Number	20205900007
Deed Book / Page	35 / 970
Prior Transfer Date	Nov 7, 2003
Prior Transfer Doc	1209059002
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 7, 2020
Property Address	226 OAK ST, LUDLOW, KY 41016-1415
Document Number	0000000007
Book / Page	000035 / 000970
Instrument Date	Jul 31, 2020
Instrument	7
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 OAK ST LUDLOW KY 410161415, LUDLOW, KY 41016-1415

Mortgage

Document Number	8
Date	Aug 7, 2020
Book Page	000M79/000523
Instrument	8

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 9, 2017
Property Address	226 OAK ST, LUDLOW, KY 41016-1415
Document Number	0000000331
Book / Page	0C6112 / 000169
Instrument Date	Mar 6, 2017
Instrument	331
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	226 OAK ST LUDLOW KY 410161415, LUDLOW, KY 41016-1415

Mortgage

Document Number	333
Date	Mar 9, 2017
Book Page	0C6112/000172
Instrument	333

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2047

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		$179,900 (+16.82%) Land $15,000 Building $164,900	$179,900 (+16.82%) Land $15,000 Building $164,900
2025	$2,011.00 (+1.51%)	$154,000 (-) Land $10,000 Building $144,000	$154,000 (-) Land $10,000 Building $144,000
2023	$1,981.00	$154,000 Land $10,000 Building $144,000	$154,000 Land $10,000 Building $144,000

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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