251 Forest Ave, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 251 Forest Ave, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,980 sqft · built 1880
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$38,000 (Aug 1995)
Tax Bill	$2,220 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-12-002.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-12-002.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,980 sqft Finished Area
Gross Area	2,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Foundation Type	Block
Roof Material	Metal
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	100 ft deep x 30 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	251 FOREST AVE
City	LUDLOW
State	KY
Zip	41016-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEBSTER PT LOTS 21-22 30'X 100' SS FOREST 7 28' E BUTLER
Legal Subdivision	WEBSTER E R
Legal Lot Number	21,22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
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

251 Forest Ave is owned and occupied by an individual who bought it in August 1995.

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	251 FOREST AVE, LUDLOW, KY 41016-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUPARTNER CU INC
Jun 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUPARTNER CU INC
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUPARTNER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 1995 · Amount on File
Deed Sale	Aug 21, 1995 · Amount on File
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	251 FOREST AVE, LUDLOW, KY 41016-1408
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 FOREST AVE, LUDLOW, KY 41016-1408

Mortgage

Document Number	0005900036
Date	Aug 18, 2023
Book Page	KCM 485/325
Instrument	23081805900036

Lender

Name	TRUPARTNER CU INC
Type	Credit Union
Address	CINCINNATI, OH 45214

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 8, 2028

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	251 FOREST AVE, LUDLOW, KY 41016-1408
Transaction Type	Mortgage
Record Updated	Jun 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900103
Date	Jun 9, 2023
Book Page	KCM 468/1
Instrument	23060905900103

Lender

Name	TRUPARTNER CU INC
Type	Credit Union
Address	CINCINNATI, OH 45214

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 5, 2038

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	251 FOREST AVE, LUDLOW, KY 41016-1408
Document Number	0000000268
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	251 FOREST AVE LUDLOW KY 410161408, LUDLOW, KY 41016-1408

Mortgage

Document Number	0000000268
Date	Jun 10, 2020
Book Page	000M54/000795
Instrument	268

Lender

Name	TRUPARTNER CU
Address	CINCINNATI, OH 45214

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 9, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 251 Forest Ave was $2,220.

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		$170,000 (-) Land $15,000 Building $155,000	$170,000 (-) Land $15,000 Building $155,000
2025	$2,220.00	$170,000 Land $10,000 Building $160,000	$170,000 Land $10,000 Building $160,000
2023	$2,187.00	$170,000 Land $10,000 Building $160,000	$170,000 Land $10,000 Building $160,000

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

Flood

FEMA maps place 251 Forest Ave 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	3 in force
Nearby Flood Claims	7 (1978–2014)
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 claims

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 251 Forest Ave is low, with less than 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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 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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