Kenton County property record for 315 Adela Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,882 sqft · built 1915 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Company Name on File |
| Last Sale | $170,000 (Feb 2026) |
| Tax Bill | $1,828 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Construction Loan Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-09-001.00 |
| Primary APN | 026-34-09-001.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,882 sqft Finished Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 94 ft deep x 65 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 315 ADELA AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART W 65.5' LOT 75 65.5'X 94' IRREG PLUS 24'X 75' IRREG 2 PARCELS BEING ALL OF LOT 75 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 75 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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.
315 Adela Ave is owned by a company that bought it in February 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3607 BRIDGE RD, HOLLYWOOD, FL 33026-1239 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2026 | Warranty Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC |
| Apr 4, 2017 | Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2026 · Amount on File |
| Deed Sale | Feb 5, 2026 · Amount on File |
| Prior Sale | Apr 4, 2017 · Amount on File |
| Deed Document Number | 20262353 |
| Deed Book / Page | 388 / 537 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 5, 2026 |
| Property Address | 315 ADELA AVE, LUDLOW, KY 41016-1422 |
| Document Number | 0000002353 |
| Book / Page | 388 / 537 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 26059000002353 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 ADELA AVE, LUDLOW, KY 41016-1422 |
| Name | Verified Name |
|---|---|
| Address | 3607 BRIDGE RD, HOLLYWOOD, FL 33026-1239 |
| Document Number | 0000002354 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 26059000002354 |
| Name | LOAN FUNDER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Jan 28, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 4, 2017 |
| Property Address | 315 ADELA AVE, LUDLOW, KY 41016-1422 |
| Document Number | 0000000142 |
| Book / Page | 0C6129 / 000343 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 142 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 315 ADELA AVE LUDLOW KY 410161422, LUDLOW, KY 41016-1422 |
| Document Number | 143 |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 0C6129/000346 |
| Instrument | 143 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 3, 2047 |
| Document Number | 144, |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 0C6130/000001 |
| Instrument | 144 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 3, 2027 |
| Rate | 12% |
|---|
The 2025 property tax bill for 315 Adela Ave was $1,828.
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 | $170,000 (+21.43%) Land $15,000 Building $155,000 | $170,000 (+21.43%) Land $15,000 Building $155,000 | |
| 2025 | $1,828.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
| 2023 | $1,801.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Adela Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 | 6 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 risk around 315 Adela Ave 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.
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 |
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