Kenton County property record for 308 Adela Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,604 sqft · built 1890 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $154,600 (Jan 2022) |
| Tax Bill | $2,019 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-01-022.00 |
| Primary APN | 026-34-01-022.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,604 sqft Finished Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 308 ADELA AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 179 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 179 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 66900 |
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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 308 ADELA AVE, LUDLOW, KY 41016-1423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GUARDIAN SAVINGS BANK |
| Jan 18, 2022 | Certificate of Transfer, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Mar 22, 2021 | Warranty Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2022 · Amount on Record |
| Deed Sale | Jan 18, 2022 · Amount on Record |
| Prior Sale | Mar 22, 2021 · Amount on Record |
| Deed Document Number | 2022228 |
| Deed Book / Page | 143 / 401 |
| Prior Transfer Date | Mar 12, 2021 |
| Prior Transfer Doc | 0005900209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 308 ADELA AVE, LUDLOW, KY 41016-1423 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900070 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 188/920 |
| Instrument | 21032405900070 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Certificate of Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 18, 2022 |
| Property Address | 308 ADELA AVE, LUDLOW, KY 41016-1423 |
| Document Number | 0005900228 |
| Book / Page | 143 / 401 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 22011805900228 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 308 ADELA AVE, LUDLOW, KY 41016-1423 |
| Document Number | 0005900229 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 327/802 |
| Instrument | 22011805900229 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 22, 2021 |
| Property Address | 308 ADELA AVE, LUDLOW, KY 41016-1423 |
| Document Number | 0005900209 |
| Book / Page | 79 / 130 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 21032205900209 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 308 ADELA AVE, 308, LUDLOW, KY 41016-1423 |
| Name | Verified Name |
|---|---|
| Address | 1004 STONEWOOD CT, VILLA HILLS, KY 41017-4467 |
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 | $180,600 (+16.82%) Land $15,000 Building $165,600 | $180,600 (+16.82%) Land $15,000 Building $165,600 | |
| 2025 | $2,019.00 (+1.51%) | $154,600 (-) Land $10,000 Building $144,600 | $154,600 (-) Land $10,000 Building $144,600 |
| 2023 | $1,989.00 | $154,600 Land $10,000 Building $144,600 | $154,600 Land $10,000 Building $144,600 |
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 |
| Flood Insurance Cost | Premium on Record 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 |
|
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 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures