271 Stokesay St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 271 Stokesay St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,057 sqft · built 1925
Lot Size	0.084 acres (3,675 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Sep 2024)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-32-11-023.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-11-023.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,057 sqft Finished Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,675 sqft (0.084 acres)
Lot Dimensions	105 ft deep x 35 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	271 STOKESAY ST
City	LUDLOW
State	KY
Zip	41016-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW LAGOON LOT 381 & E 10' LOT 380 35'X 105'
Legal Subdivision	LUDLOW LAGOON LAND
Legal Lot Number	381,380
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4020
Census Tract	66900

Owner

271 Stokesay St is owned and occupied by an individual who bought it in September 2024.

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

Owner of Record	Individual Name on File
Mailing Address	271 STOKESAY ST, LUDLOW, KY 41016-1357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	Aug 29, 2022 · Amount on File
Deed Document Number	2024113
Deed Book / Page	304 / 289
Prior Transfer Date	Feb 23, 2015
Prior Transfer Doc	0000000074
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 29, 2022
Property Address	271 STOKESAY ST, LUDLOW, KY 41016-1357
Document Number	0005900120
Book / Page	186 / 504
Instrument Date	Aug 26, 2022
Instrument	22082905900120
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 EUCLID ST, 22, LUDLOW, KY 41016-1552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 STOKESAY ST, LUDLOW, KY 41016-1357

Mortgage

Document Number	0005900121
Date	Aug 29, 2022
Book Page	402/18
Instrument	22082905900121

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 271 Stokesay St was $2,612.

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		$200,000 (-) Land $15,000 Building $185,000	$200,000 (-) Land $15,000 Building $185,000
2025	$2,612.00	$200,000 Land $10,000 Building $190,000	$200,000 Land $10,000 Building $190,000
2023	$2,567.00	$199,500 Land $10,000 Building $189,500	$199,500 Land $10,000 Building $189,500

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

Flood

FEMA maps place 271 Stokesay St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	26 (1978–2025)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 9 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 271 Stokesay 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

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