231 Park St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 231 Park St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 1924
Lot Size	0.09 acres (3,938 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Aug 2019)
Tax Bill	$1,042 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-41-10-041.00`

Property Details

APN / Parcel Number

Primary APN	`026-41-10-041.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,760 sqft Finished Area
Gross Area	1,886 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Siding
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,938 sqft (0.09 acres)
Lot Dimensions	105 ft deep x 37.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	231 PARK ST
City	LUDLOW
State	KY
Zip	41016-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW LAGOON LOT 130 & W 1/2 LOT 131 37.50'X 105'
Legal Subdivision	LUDLOW LAGOON LAND
Legal Lot Number	130,131
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2021
Census Tract	66900

Owner

231 Park St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	231 PARK ST, LUDLOW, KY 41016-1353
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Prior Sale	Mar 18, 2016 · Amount on File
Deed Document Number	201908 22 059 00058
Deed Book / Page	6736 / 66
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 22, 2019
Property Address	231 PARK ST, LUDLOW, KY 41016-1353
Document Number	0000000058
Book / Page	0C6736 / 000066
Instrument Date	Aug 9, 2019
Instrument	58
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 PARK AVE LUDLOW KY 410161353, LUDLOW, KY 41016-1353

Mortgage

Document Number	59
Date	Aug 22, 2019
Book Page	0C6736/000069
Instrument	59

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 231 Park St was $1,042 with a homeowner's exemption.

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		$180,500 (+40.03%) Land $15,000 Building $165,500	$180,500 (+40.03%) Land $15,000 Building $165,500
2025	$1,042.00 Homeowner's exemption	$128,900 Land $10,000 Building $118,900	$128,900 Land $10,000 Building $118,900
2023	$1,061.00 Homeowner's exemption	$128,900 Land $10,000 Building $118,900	$128,900 Land $10,000 Building $118,900

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

Flood

FEMA maps place 231 Park St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 231 Park 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
Adjoins Burnable Land	Yes

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 719 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