Kenton County property record for 239 Lake St, Ludlow, KY 41016
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 4 bd · 1,996 sqft · built 1920 |
| Lot Size | 0.096 acres (4,200 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,455 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-41-11-033.00 |
| Primary APN | 026-41-11-033.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 1,996 sqft Finished Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,200 sqft (0.096 acres) |
| Lot Dimensions | 105 ft deep x 40 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 239 LAKE ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1378 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | WEAVER LOT 189 & PTS 188-190 40'X 105' NS LAKE |
| Legal Subdivision | WEAVER J J |
| Legal Phase | 2 |
| Legal Lot Number | 189,188 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 66900 |
239 Lake St, a residential property, is owned by two individuals.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2700 SANTA ANITA AVE, ALTADENA, CA 91001-2200 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 23, 2022 |
| Property Address | 239 LAKE ST, LUDLOW, KY 41016-1378 |
| Document Number | 0005900070 |
| Book / Page | 202 / 118 |
| Map Reference | PL 351 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 22112305900070 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 237 LAKE ST, LUDLOW, KY 41016-1378 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2700 SANTA ANITA AVE, ALTADENA, CA 91001-2200 |
| Document Number | 0005900071 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 22112305900071 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 239 Lake St was $2,455.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $188,000 (-) Land $15,000 Building $173,000 | $188,000 (-) Land $15,000 Building $173,000 | |
| 2025 | $2,455.00 | $188,000 Land $10,000 Building $178,000 | $188,000 Land $10,000 Building $178,000 |
| 2023 | $2,419.00 | $188,000 Land $10,000 Building $178,000 | $188,000 Land $10,000 Building $178,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 239 Lake St in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 risk around 239 Lake 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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