28 Euclid St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 28 Euclid St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1870
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Nov 2017)
Tax Bill	$2,024 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-12-010.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-12-010.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Finished Area
Gross Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Tar & Gravel
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 EUCLID ST
City	LUDLOW
State	KY
Zip	41016-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEBSTER PT LOT 2 25 X 100' WS EUCLID & 25' S FOREST
Legal Subdivision	WEBSTER E R
Legal Lot Number	2
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

28 Euclid St is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	28 EUCLID ST, LUDLOW, KY 41016-1553
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

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage RIVERHILLS BANK
Nov 8, 2017	Grant Deed, Transfer · Conventional with PMI RIVER HILLS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2017 · Amount on File
Deed Sale	Nov 8, 2017 · Amount on File
Prior Sale	Nov 19, 2015 · Amount on File
Deed Document Number	201711 08 059 00241
Deed Book / Page	6291 / 72
Prior Transfer Date	Jul 10, 1997
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	28 EUCLID ST, LUDLOW, KY 41016-1553
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900206
Date	Jan 12, 2022
Book Page	325/911
Instrument	22011205900206

Lender

Name	RIVERHILLS BANK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Nov 1, 2036

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 8, 2017
Property Address	28 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000000241
Book / Page	0C6291 / 000072
Instrument Date	Oct 27, 2017
Instrument	241
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 EUCLID ST LUDLOW KY 410161553, LUDLOW, KY 41016-1553

Mortgage

Document Number	242
Date	Nov 8, 2017
Book Page	0C6291/000075
Instrument	242

Lender

Name	RIVER HILLS BK
Type	Bank
Address	MILFORD, OH 45150

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 28 Euclid St was $2,024.

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		$155,000 (-) Land $15,000 Building $140,000	$155,000 (-) Land $15,000 Building $140,000
2025	$2,024.00	$155,000 Land $10,000 Building $145,000	$155,000 Land $10,000 Building $145,000
2023	$1,994.00	$155,000 Land $10,000 Building $145,000	$155,000 Land $10,000 Building $145,000

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

Flood

FEMA maps place 28 Euclid 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	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 28 Euclid St 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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