Kenton County property record for 313 Oak St, Ludlow, KY 41016 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1907 |
| Square Footage | 1,752 sqft Finished Area |
| Lot Size | 3,125 sqft (0.071 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $189,900 (2020) |
| Tax Bill | $2,480.00 (2025) |
| Primary APN | 026-34-10-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,752 sqft Finished Area |
| Gross Area | 1,905 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1907 |
|---|---|
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Stone Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,125 sqft (0.071 acres) |
| Depth X Width | 125 ft x 25 ft Depth x Width |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0263410006.00 |
|---|---|
| Street Address | 313 OAK ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1416 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KENNER GEO R PT LOT 52 25'X 125' SS OAK 150' W DAVIES |
| Legal Subdivision | KENNER GEO R |
| Legal Lot Number | 52 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-34-10-006.00
Assessment roll updated April 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 313 OAK ST, LUDLOW, KY 41016-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK KENTUCKY INC |
| Nov 20, 2020 | Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) ENVOY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on Record |
| Deed Sale | Nov 20, 2020 · Amount on Record |
| Deed Doc Number | 0000056734 |
| Deed Book / Page | 56 / 734 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 313 OAK ST, LUDLOW, KY 41016-1416 |
| Transaction Type | Mortgage |
| Record Updated | Jan 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 313 OAK ST, LUDLOW, KY 41016-1416 |
| Document Number | 0005900123 |
|---|---|
| Date | Dec 19, 2025 |
| Book Page | KCM 719/78 |
| Instrument | 25121905900123 |
| Name | FIFTH THIRD BANK KENTUCKY INC |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 25, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 20, 2020 |
| Property Address | 313 OAK ST, LUDLOW, KY 41016-1416 |
| Document Number | 0000000077 |
| Book / Page | 000056 / 000734 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 77 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 313 OAK ST LUDLOW KY 410161416, LUDLOW, KY 41016-1416 |
| Document Number | 78 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 00M129/000642 |
| Instrument | 78 |
| Name | ENVOY MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2050 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,480.00 (+1.47%) | $189,900 (-) Land $10,000 Building $179,900 | $189,900 (-) Land $10,000 Building $179,900 |
| 2023 | $2,444.00 | $189,900 Land $10,000 Building $179,900 | $189,900 Land $10,000 Building $179,900 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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