Kenton County property record for 305 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,347 sqft · built 1910 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,000 (Aug 2025) |
| Tax Bill | $1,501 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-12-03-026.00 |
| Primary APN | 040-12-03-026.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,347 sqft Finished Area |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 305 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOT 128 |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 128 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 63800 |
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 | 305 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Aug 12, 2025 | Warranty Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK |
| Jul 29, 2019 | Warranty Deed, Transfer DEBRA SCHNUDERL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on Record |
| Deed Sale | Aug 12, 2025 · Amount on Record |
| Prior Sale | Jul 29, 2019 · Amount on Record |
| Deed Document Number | 20250812111 |
| Deed Book / Page | 357 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 305 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900068 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | KCM 687/370 |
| Instrument | 25091505900068 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Aug 5, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 12, 2025 |
| Property Address | 305 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Document Number | 0005900111 |
| Book / Page | KC 357 / 434 |
| Map Reference | MB 120 PG 640 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 25081205900111 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3320 SHAOLY SIDE DRDR, ERLANGER, KY 41018 |
| Name | Verified Name |
|---|---|
| Address | 305 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Document Number | 0005900112 |
|---|---|
| Date | Aug 12, 2025 |
| Instrument | 25081205900112 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 29, 2019 |
| Property Address | 305 MONTCLAIR ST, LUDLOW, KY 41016-1671 |
| Document Number | 0000000015 |
| Book / Page | 0C6715 / 000078 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 15 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2995 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 20 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 0C6715/000080 |
| Instrument | 20 |
| Name | DEBRA SCHNUDERL |
|---|---|
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | Jul 28, 2026 |
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 | $187,000 (+62.61%) Land $15,000 Building $172,000 | $187,000 (+62.61%) Land $15,000 Building $172,000 | |
| 2025 | $1,501.00 (+1.42%) | $115,000 (-) Land $10,000 Building $105,000 | $115,000 (-) Land $10,000 Building $105,000 |
| 2023 | $1,480.00 | $115,000 Land $10,000 Building $105,000 | $115,000 Land $10,000 Building $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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.
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 |
| Adjoins Burnable Land | Yes |
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 471 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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