318 Poplar St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 318 Poplar St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,720 sqft · built 1910
Lot Size	0.086 acres (3,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jul 2020)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-11-024.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-11-024.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,720 sqft Finished Area
Gross Area	1,800 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	100 ft deep x 37.5 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	318 POPLAR ST
City	LUDLOW
State	KY
Zip	41016-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDEN LOT 8 & 1/2 LOT 9 37.50'X 100'
Legal Subdivision	GARDEN
Legal Lot Number	8,9
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	66900

Owner

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	318 POPLAR ST, LUDLOW, KY 41016-1442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L
Jul 24, 2020	Deed of Trust, Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Aug 26, 2016 · Amount on Record
Deed Document Number	20205900061
Deed Book / Page	33 / 847
Prior Transfer Date	Feb 25, 2013
Prior Transfer Doc	0005900118
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 28, 2020
Property Address	318 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0000000061
Book / Page	000033 / 000847
Instrument Date	Jul 24, 2020
Instrument	61
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	318 POPLAR ST LUDLOW KY 410161442, LUDLOW, KY 41016-1442

Mortgage

Document Number	62
Date	Jul 28, 2020
Book Page	000M74/000589
Instrument	62

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	318 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0000000062
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	318 POPLAR ST LUDLOW KY 410161442, LUDLOW, KY 41016-1442

Mortgage

Document Number	0000000062
Date	Jul 28, 2020
Book Page	000M74/000589
Instrument	62

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

Tax Assessment & Valuation

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		$207,000 (+11.89%) Land $15,000 Building $192,000	$207,000 (+11.89%) Land $15,000 Building $192,000
2025	$2,416.00 (+1.51%)	$185,000 (-) Land $10,000 Building $175,000	$185,000 (-) Land $10,000 Building $175,000
2023	$2,380.00	$185,000 Land $10,000 Building $175,000	$185,000 Land $10,000 Building $175,000

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

Flood

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

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.

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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