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

Kenton County property record for 233 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,525 sqft · built 1920
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2025)
Tax Bill	$555 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-15-002.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-15-002.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,525 sqft Finished Area
Gross Area	1,630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	233 OAK ST
City	LUDLOW
State	KY
Zip	41016-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW HELEN E 1/2 LOT 35 25'X 125'
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	35
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	233 OAK ST, LUDLOW, KY 41016-1414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL VALLEY CMNTY BANK
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage DLP LENDING FUND LLC
Jan 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Prior Sale	Oct 28, 2024 · Amount on Record
Deed Document Number	202585
Deed Book / Page	337 / 990
Prior Transfer Date	Jul 26, 2022
Prior Transfer Doc	0000000187
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Oct 5, 2026
Property Address	233 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000022628
Book / Page	507 / 747
Instrument Date	Sep 28, 2026
Instrument	2026100522628
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 OAK ST, LUDLOW, KY 41016-1414

Mortgage

Document Number	0000022628,
Date	Oct 5, 2026
Book Page	507/747
Instrument	2026100522628

Lender

Name	CENTRAL VALLEY CMNTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	233 OAK ST, LUDLOW, KY 41016-1414
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BERRYHILL RD 200, 200, COLUMBIA, SC 29210-6433
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900020
Date	Mar 29, 2021
Book Page	191/566
Instrument	21032905900020

Lender

Name	DLP LENDING FUND LLC
Type	Non-Lending Institution
Address	BETHLEHEM, PA 18017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Nov 6, 2040

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2018
Property Address	233 OAK ST, LUDLOW, KY 41016-1414
Document Number	0000000233
Book / Page	0C6328 / 000063
Instrument Date	Aug 2, 2017
Instrument	233
Transaction Type	Transfer
Record Updated	Jan 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 BERRYHILL RD #200 COLUMBIA SC 292106433, 200, COLUMBIA, SC 29210-6433

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		$240,000 (+464.71%) Land $15,000 Building $225,000	$240,000 (+464.71%) Land $15,000 Building $225,000
2025	$555.00 (-52.07%)	$42,500 (-52.78%) Land $10,000 Building $32,500	$42,500 (-52.78%) Land $10,000 Building $32,500
2023	$1,158.00 (+0.87%)	$90,000 (-) Land $10,000 Building $80,000	$90,000 (-) Land $10,000 Building $80,000
2022	$1,148.00	$90,000 Land $10,000 Building $80,000	$90,000 Land $10,000 Building $80,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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